Get more from every purchase.

†APR=Annual Percentage Rate

*This APR may vary with the market based on the Prime Rate.

Effective Date: October 1, 2025. The APR is accurate as of the effective date. Rates subject to change at any time.

APR 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.

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. Contact a credit union representative for additional details.

Some limitations or restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

** Yolo Federal’s New Visa Platinum CashBack Plus ("New Platinum") Offer("Offer") runs 10/1/25-12/31/25 ("Promotional Period"). New Platinum accounts opened during the Promotional Period can earn up to 35,000 bonus points: 25,000 points credited within 10 days after account opening, and 10,000 points for 10 transactions within 60 days credited within 45 days after. Cardholders who do not meet the minimum transaction requirement will not receive bonus points. Standard rewards apply: 3 points per $1 spent on gas and grocery MCCs and 2 points per $1 on all other MCCs. All purchases qualify. Declined or reversed charges do not qualify. Limitations or restrictions may apply. Points redeemable for cash back or other reward options at any time on balances greater than $25 at yolofcu.org/myrewards. Contact a credit union representative for additional details.