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What Is It?
Unlock More Rewards with Yolo FCU’s Platinum Card!
Earn up to 100,000 bonus points with a limited-time offer!
From October 28, through December 31, 2024, new Platinum Cardholders can receive up to 100,000 bonus points* when they meet the qualifying spend. Here’s how:
- 100,000 bonus points for new cardholders who spend $5,000 within the first 90 days of card opening.
- 50,000 bonus points for new cardholders who spend $3,000 within the first 90 days of card opening.
Elevate your everyday with a card that rewards you for every purchase! Whether you’re fueling up, grocery shopping, or simply living your unfiltered life, the Yolo FCU Platinum Card has you covered with 3X points on gas/groceries and 2X points on everything else—plus no annual fee.
Why Yolo Federal
Great features, without the pesky fees
- 3X on groceries & gas
- 2X on everything else
- Visa Card Benefits
- Earn more cashback and redeem at anytime!**
- No opt-in needed on special offers throughout the year
Rates & Fees
| Type | Annual Percentage Rate (APR) |
|---|---|
| Purchases | 14.74%-18.00%* |
| Balance Transfers | 14.74%-18.00%* |
| Cash Advances | 14.74%-18.00%* |
*This APR may vary with the market based on the Prime Rate.
Effective Date: November 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.
A.P.R. will not exceed 18.00%.
Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection at http://www.consumerfinance.gov/learnmore.
Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
| Fee Type | Fee |
|---|---|
| Annual Fee | None |
| Balance Transfers | None |
| Cash Advance | None |
| Foreign Transaction | None |
| Late Payment | Up to a $15.00 after 4 days |
| Returned Payment | Up to $30.00 |
Effective Date: September 1, 2023. The APR is accurate as of the effective date.
Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 2 (two) point per $1 (“Standard Rewards”). Gas and grocery purchases will receive three (3) points for every $1. Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. Rewards will be credited automatically and can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won’t qualify for the offer. Some limitations or restrictions may apply. Contact a credit union representative for additional details.
FAQs
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What is the bonus points offer being provided for the Platinum Card?
From October 28 to December 31, 2024, Yolo FCU is offering up to 100,000 bonus points* for new Platinum Cardholders who meet the qualifying spend. New cardholders can earn 100,000 bonus points by spending $5,000 or 50,000 bonus points by spending $3,000 within the first 90 days of account opening.
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Can existing cardholders earn bonus points?
Yes! Existing cardholders can earn 50,000 bonus points* when they spend $3,000 by the end of 2024.
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Where do I go to view or redeem my rewards?
Log into your online rewards portal to view and redeem your rewards.
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How do I earn points?
You will earn points for every purchase—3 points** for every $1 on qualifying gas and grocery purchases and 2 points** for every $1 on everything else.
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Do points expire?
Yes, points will expire after 3 years at months end. You can review when your points expire by logging into your rewards portal and selecting “My Account” then “My Account Statement.” Your points breakdown will show when points are scheduled to expire.
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Is there a limit to how many points I can earn in a month or year?
No, there is no monthly or annual cap on points.
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Is there a minimum redemption amount for cashback?
Yes, $25 or 2,500 points.
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Do I need to opt into the promotional offers from Yolo FCU?
No, you will automatically be opted-in for promotional offers. Points earned on promotional offers will be applied to your account differently than regular purchases. See the offer for more details.
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What is the credit limit for this card?
Credit limits range from $100-$20,000, based on your eligibility.
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How much is the insurance included with this card?
This card includes:
- $300,000 Automatic Travel Accident Insurance
- $10,000 Hotel and Motel Burglary Coverage
- $1,250 Lost Luggage Reimbursement
To learn more about the Emergency Medical and Dental coverage that is also included, feel free to contact us.
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Disclosures
*The Yolo FCU bonus point offer runs 10/28/24-12/31/24. New Visa Platinum CashBack Plus cardholder (“New Platinum”) accounts opened during the promotional period and meet the spend threshold within 90 days of account opening will receive bonus points: $5,000 spend for 100,000 points (“Tier 1”); $3,000 for 50,000 points (“Tier 2”). Existing Visa Platinum CashBack Plus cardholders (“Existing Platinum”) will receive 50,000 bonus points for $3,000 spend by 12/31/24. Existing Platinum cardholders are ineligible to receive 100,000 bonus points. Cardholders that do not reach the minimum spend threshold will not receive any bonus points. Cardholders will earn standard points of 3 points for every $1 spent for gas and grocery MCCs and 2 points for all other MCCs during the promotional period. Bonus points will be posted to the member’s rewards accounts within 45 days of achieving spend threshold. All purchase transactions during the promotional period qualify. Any declined or reversed charges won’t qualify. Some limitations or restrictions may apply. Points can be redeemed for cashback or other reward options at any time on amounts greater than $25 at yolofcu.org/myrewards. Contact a credit union representative for additional details.
**Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 2 (two) point per $1 (“Standard Rewards”). Gas and grocery purchases will receive three (3) points for every $1. Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. Rewards will be credited automatically and can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won’t qualify for the offer. Some limitations or restrictions may apply. Contact a credit union representative for additional details.