Visa Rewards Card

University of Wisconsin Credit Union

Membership required

Key facts

Annual fee$0
RewardsCash back
Everything else earns0.75% back
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 0.75% back on purchases. The catalog records no bonus categories for this card.

Rates with conditions

1.25% back on Everything else — 0.75% back on all purchases plus a 0.5% monthly bonus, total up to 1.25%, with a Rewards Checking account with 10 or more credit or debit card purchases per month and $250 or more in combined ACH credits and debits per month

Signup bonus

$100 after $2,000 of spend in the first 3 months.

Applying

UW Credit Union membership is required. The credit union's Become a Member page says: "Just about anyone! If you live, work or go to school within 5 miles of a branch location or are a Wisconsin resident who has attended an accredited higher education institution anywhere, you can become a member. But those aren't the only ways to join." The card page says: "Underwriting is required for credit products. A cosigner may be necessary if you are under the age of 21 and your annual income is less than $2,000."

Issuer's page for this card

Membership required

Answer yes to any of 5 questions: Wisconsin resident who attended higher education, near a branch, UW school employee/student/alumni, employee of a listed organization, or immediate family of an eligible person.

Are you a Wisconsin resident who is enrolled at or has previously attended any accredited institution of higher education worldwide?
Do you live, work or attend school within 5 miles of any branch location?
Are you an employee, student or alumni of the following UW schools, colleges and extensions?
Are you a current or former employee of the following organizations?
Are you an immediate family member of any person eligible to be a member?

How to join

Notes

Earns points: 0.75 points per $1 on all purchases; 100 points = $1.00 in rewards, redeemed for cash back or to erase a purchase (equal value); points never expire and there is no limit. The 0.5% monthly Cash Back Bonus comes on top with Rewards Checking (total up to 1.25%). Signup offer: 10,000 bonus points (= $100) after $2,000 in purchases in the first three months (100 days); not available to current or previous UW Credit Union cardholders or anyone who got a new cardholder bonus in the last 24 months. Purchase APR 15.25% - 26.60% as of 1/26/26. 0% APR on balance transfers for 6 billing cycles, then the standard variable APR; balance transfer fee is 3% or $10, whichever is greater; no points on balance transfers.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with University of Wisconsin Credit Union; the card name is its owner's trademark.

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