UFCU Cash Back Card Review 2025 | Worth It or Leave It?

Earn consistent rewards, avoid complicated spending categories, and keep more value in your pocket with the UFCU Cash Back Card, a simple yet reliable tool for everyday purchases. Offering 1.5% cash back on all spending with no caps, it allows for predictable earnings while points remain valid as long as the account stays open. UFCU Plus Checking account holders gain a 15% bonus on points, adding extra value without hassle. With no annual fee, strong fraud protection features like 24/7 monitoring and instant card locking, and useful perks such as rental car coverage, purchase protection, and travel assistance, it delivers more utility than standard flat-rate cards. However, membership eligibility limits access, and a variable APR from 14.90% to 17.90% or more makes carrying a balance expensive. Cash advances carry a 1% fee or at least $5, and the absence of a 0% intro APR offer reduces appeal for large purchase financing or interest-free debt payoff. Yet there’s one overlooked detail that could make this card far more powerful than it first appears.

Pros:
- 1.5% cash back on all purchases with no caps
- Points never expire as long as account stays open
- 15% points bonus for UFCU Plus Checking holders
- No annual fee
- Strong fraud protection with 24/7 monitoring and instant card locking
- Rental car coverage, purchase protection, and travel assistance
- Simple earning structure without tracking categories

Cons:
- Limited to UFCU members
- Variable APR 14.90%–17.90%+
- 1% cash advance fee (minimum $5)
- No introductory 0% APR period
- Carrying a balance can quickly offset rewards

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