R1 Rewards Credit Card

The R1 Rewards Credit Card is designed to give you more with unlimited cash-back rewards.

r1 rewards card

Get Rewards on Everyday Purchases

Earn unlimited points on all purchases.1

Unlimited Points

Earn unlimited 1.5 points for every dollar spent.

Easy Redemption

You can redeem your points in multiple ways.
– Gift cards via curewards.com
– Travel gift cards via curewards.com
– Statement credit
– Cash out to deposit account

Automatically Enroll

All R1 Rewards Signature Credit Cards are automatically enrolled to earn points.

No Annual Fee

Simple and hassle-free to help you keep more of your own money.

No Balance Transfer Fee

Transfer your other card balances to this one and keep everything in one place.

Competitive Everyday Rate

We offer competitive rates, so you are always saving.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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Fee TypeFee
Annual FeeNone
Replacement Card$5.00
Minimum Payment Due2.5% of balance or $50.00 minimum
Transaction Fees
Balance TransferNone
Cash AdvanceNone
Foreign Transaction1.00% of each transaction in U.S. dollars
Penalty Fees
Late PaymentIf we do not receive the required minimum payment within 10 days of the payment due date, you will be charged a late payment fee of $25.00
Over-the-Credit LimitNone
 Returned PaymentUp to $25.00

For additional context and information please see text descriptions found here

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details.

1You will automatically earn 1.5 points on every dollar you spend (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.