R1 Rewards Visa® Credit Card
Save up to $417 on an R1 Rewards Credit Card.1
Meet a Loan Officer by Video Chat or Call 800-375-3674
Get Rewards on Everyday Purchases
Earn unlimited 1.5% cash back on all purchases!2
Earn when you spend with the R1 Rewards Visa® Credit Card. You earn 1.5% money back on every purchase you make, and we’ll automatically deposit your cash back into your account each quarter. It’s that simple. Moving your balance into an R1 Rewards Visa® Credit Card with Resource One Credit Union could help you save money – up to $417.1 Thinking of transferring your balance? You’ll receive a 7.77% APR for the life of the balance transferred.
Key features:
Credit cards up to 21% lower.1
Unlimited Cash Rewards
Earn unlimited 1.5% cash back on every purchase with no rebate tiers or revolving purchase categories.
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.
Credit Card Insights & Advice
New Year Resolutions Solutions
Making a New Years’ resolution is easy, but maintaining it is another matter. We have a few tips to start up and keep your goals running all year.
read moreDo You Qualify For a R1CU Credit Card?
A credit card, when responsibly managed and used, provides an important financial tool that you can use in many situations. By keeping your balances low and staying on top of regular payments, you'll build your credit history, improve your score, and develop a track...
read more4 Reasons to Get A Business Credit Card
Whether you’re self-employed, running a small startup venture with a few employees, or operating a thriving business that is charting rapid growth, it’s never a bad idea to have a business credit card in your back pocket. Having a business credit card makes it easier...
read moreReady to Get Started?
Apply Online
Use our easy online application process to get started right away.Video Banking
Meet with our specialists through a video chat.Apply by Phone
Questions? Call us anytime to speak with a specialist.1-800-375-3674
1 Based upon an analysis of 2,036 banking locations in Dallas-Fort Worth-Arlington Metro as of 1/11/2022, Resource One Credit Union’s rewards credit card outperformed the Dallas Metro average by 21%. $417 is the difference between the amount paid in interest between Resource One Credit Union’s rate at 10.50% APR compared to 13.27% APR for the Dallas-Fort Worth-Arlington Metro market average based upon a $5,000 average daily balance over 36 months. APR = Annual Percentage Rate. Variable Rate Visa Rewards Card. All rates and terms herein are subject to change without notice and may be subject to credit approval.
2 You will automatically earn 1.5% cash back on net purchases (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.
| Fees | |
|---|---|
| Annual Fee | None |
| Replacement Card | $5.00 |
| Minimum Payment Due | 2.5% of balance or $50.00 minimum |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| Foreign Transaction | 1.00% of each transaction in U.S. dollars |
| Penalty Fees | |
| Late Payment | If 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 Limit | None |
| Returned Payment | Up to $25.00 |
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.
