Introducing the new Visa Cashback Credit Card! Every time you make a purchase with your Cashback credit card, you’ll earn a percentage back in cash. Yep – that’s real money back to you!
for 12 months on balance transfers
Rewarding you for being 100% you
5%
Cash back on gas and travel
2%
Cash back on groceries and restaurants
1.5%
Cash back on everything else5
Cash back isn't the only perk.
Annual Fees?
Not this card.
Experience all of the benefits of the Visa Cashback credit card without an annual fee.
Low APR on
transfers.
Enjoy a low intro APR on balance transfers.
You do you and earn more cash back.
Use your Visa Cashback for your expenses.
Get cash back on all of your purchases.
Easily redeem your cash.
Overview
You can set up an account to start utilizing UICCU’s best in class digital banking service as soon as you are ready! You can use your credit card number to register here. See the Digital Banking section for more FAQs.
After your savings account is converted on 2/28/2025, you’ll start to receive more information about your upgrade to the UICCU Signature Cashback Visa.
Nope! Watch your email for more information about when to expect your upgraded UICCU Visa Signature Cashback card!
You have a savings account because UICCU is a Credit Union, you are a member here. Your Membership Savings account holds your membership share in the Credit Union. Your membership comes with perks, such as great checking account options, low loan rates, and a top-rated digital banking system. This means you can take advantage of UICCU’s great account options from anywhere in the country! Learn more about UICCU here.
UICCU has always been the service provider for your Terps Card under our CU Campus Card Services brand. Since our partnership with University of Maryland Alumni Association has ended, your Terps Card is moving to one of our other great credit card products.
Yes. Your credit card number, expiration date, and CVV will be different on your UICCU Visa Signature Cashback card. You should update it anywhere you have your Terps Card credentials saved on file.
No. We are no longer supporting the Terps Card Program. The UICCU Visa Signature Cashback card gives you a great cashback option with 1.5% cash back on all purchases, 5% cash back on gas and travel, and 2% cash back on groceries and restaurants.
UICCU partnered with University of Maryland Alumni Association to service the Terps Card. This partnership has ended, but we want to continue to offer loyal Terps Card holders a great Cashback option.
The change will not affect your credit reporting, as the upgrade from your Terps Card to the UICCU Visa Signature Cashback card will report as an account transfer. This will not be a new tradeline on your credit report. It will continue to report with the same open date, credit limit, and payment history as your Terps Card.
Payments, Cashback, & Digital Banking
Continue to mail your payment to:
Visa
PO Box 660493
Dallas, TX 75266-0493
No. After your upgrade to UICCU Visa Signature Cashback is complete, you will need to set up a new automatic payment by logging in to digital banking. Once logged in, navigate to Transfers and schedule a new transfer.
You’ll earn:
- 5% cash back on gas and travel
- 2% cash back on groceries and restaurants
- 1.5% cash back on everything else
You can redeem your cashback through Digital Banking.
- Log in to Digital Banking and navigate to your credit card account.
- Click the Redeem Rewards link under the current balance.
- Choose whether to deposit cash to your account or receive a statement credit!
Any transactions made on or after March 10, 2025 will earn Cashback instead of Rewards points.
Any Terp Rewards points balance will be transferred to your cashback balance by 5/31/2025. They will transfer at a rate of 1 point = $0.01.
Terps Cardholders can redeem their Terp Rewards points by calling 888-201-4095, or they can use the Pay with Points, Fuel with Points, or Checkout with Points if they are prompted during or after a transaction.
Yes. With the UICCU Visa Signature Cashback card, you’ll have access to a more robust digital banking platform. This requires that you set up a new login. You can use the same username you used for your Terps Card.
Anytime! You can use your Terps Card number to register for UICCU Digital Banking here.
In your new UICCU digital banking, you’ll have access to:
- Add your card to Apple Pay or Google Pay directly from your digital banking
- Lock or Unlock your card
- Set up transaction notifications
- Set spending limits
- Receive alerts for your card
- Report your card lost or stolen
- Request a replacement card
- Submit a balance transfer
- Request a credit limit increase
- Update your mailing address
You can also open a checking account, certificate of deposit, or an additional savings account with just a few clicks!
Once logged in to Digital Banking, navigate to Transfer. Then choose “Add an External Account” and follow the prompts on the screen.
1The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval
5Qualifying tiers for cashback and bonus cashback offer is determined by the merchant code as supplied by the merchant. Bonus cashback to apply to applicable purchases made between the open date and the date the promotional offer is withdrawn. Promotion is subject to be withdrawn at any time. Redemption of cash back can begin once $20 or more Available Cashback has been accrued. Available Cashback is viewed and redeemed via transfer by member in Digital Banking platform. “Purchases” do not include cash advances, transfers to existing UICCU card or loan accounts, prepaid cards, gift cards, wire transfers, bill pay, similar transfers or cash equivalents. To be eligible for this offer, account must be open and not in default at the time of fulfillment. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you cancel or return purchases you made to meet the required spend), we may not offer cashback. We may also cancel this Card account. Transactions are subject to the account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application or transaction. Allow up to 60 days for cash back to be applied. Other restrictions may apply.
6Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers is for Visa Signature Cashback cards opened or upgraded after 7-1-23 or Visa Platinum cards opened or upgraded after 8-1-24. There is a fee of 3% of the balance transfer amount for balance transfers processed during this promotional period. The standard rate for purchases, balance transfers processed 12 months after new card open date and any unpaid promotional balance remaining 12 months after new card open date will vary depending on your individual credit worthiness and the current market for Visa Signature Cashback. Rates will adjust with the Prime Rate. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application.