Complete your application
Share a few basic details about yourself, your income, and how you manage expenses. It’s quick and only takes a few minutes.
Earn unlimited 1.5% Cash Back on every purchase with no rotating categories or no annual fee*
Make everyday purchases work harder for you
Groceries. Gas. Dinner with friends. Seemingly small everyday spending adds up — and your credit card should add value right alongside it. With the Visa® Signature Rewards Credit Card, you can turn daily spending into meaningful rewards. Earn consistently, redeem easily, and feel confident using a card designed around real life.
Get 1.5% Cash Back on Every Purchase
Earn 1.5 points for every dollar you spend, with no rotating categories to track. You can redeem your points for cash back and other meaningful rewards.
Great intro offer
Enjoy 0% APR** for 18 months on purchases and balance transfers made within your first 12 months. After that, a variable APR of 14.65%–16.65% will apply. This introductory period can give you flexibility for larger purchases or help you consolidate balances — with a clear timeline and steady plan.
Get $100 bonus Cash Back if you spend $1,000 within your first 90 days*
As a welcome bonus, you’ll earn 10,000 bonus points which can be redeemed as $100 after spending $1,000 in your first 90 days. Additionally, you can continue earning a bonus 5,000 bonus points each year when you spend $50,000 or more annually.
Built-in fraud protection
Your security matters. With 24/7 fraud monitoring and zero liability for unauthorized transactions, you can use your card with confidence — knowing we’re looking out for you.
Cell Phone Protection
Pay your monthly cell phone bill with your eligible card and get added peace of mind if your phone is stolen or accidentally damaged. This benefit can help cover repair or replacement costs—so an unexpected mishap doesn’t leave you disconnected.
Roadside Assistance
Get help when the unexpected happens on the road with 24/7 roadside assistance, including towing, jump-starts, tire changes, lockout assistance, fuel delivery, and winching.
Travel and Emergency Assistance
Whether you're across the country or around the world, enjoy 24/7 emergency travel assistance with medical and legal referrals, emergency transportation, lost luggage support, prescription assistance, and translation services.
Travel Accident and Baggage Delay Insurance
Book travel with your eligible card and enjoy added protection, including travel accident coverage and reimbursement for essential items if your baggage is delayed.
Open a Visa Signature Rewards credit card in just a few steps
Getting started with a new credit card doesn’t have to be complicated. Our simple process walks you through applying, reviewing your information, and getting a decision—so you can move forward with confidence.
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Leave it with us to review
Your credit history and ability to repay are reviewed to find the option that fits you best.
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Get a decision from our team
You’ll receive a decision with clear terms, including your credit limit and rate. If approved, your card is on its way.
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Disclosure
*Points are earned on Net New Purchases, which are defined as your purchases minus returns/credits made on your credit card account. Points can be redeemed as cash back on a 1 point to $0.01 basis. For more details see CU Rewards inside digital banking.
**APR = Annual Percentage Rate. 0% Intro APR for 18 months on purchases and balance transfers made within 12 months of account opening. After that, a variable APR of 14.65%–16.65% (maximum 16.65%) applies, based on creditworthiness, and will vary with the Prime Rate. A balance transfer fee of 3% of each transaction or $5 minimum applies during the intro period; no balance transfer fee applies after. No annual fee. Cash advance and foreign transaction fees may apply. Membership eligibility required. Subject to credit approval. Terms and conditions may change. See Visa Signature Rewards Benefits Guide and Visa Application and Solicitation Disclosure for details.
Zero Liability Fraud Protection does not apply to certain transactions, including ATM and some PIN or commercial transactions. Report unauthorized use promptly. See account agreement for details.