Cool metal card.
More cash back.
Enjoy 4% back on every purchase for the first 60 days from account opening, then up to 3% on everyday spending.
Cool metal card. More cash back.
Enjoy 4% back on every purchase for the first 60 days from account opening, then up to 3% on everyday spending.
Recommended if:
You typically pay off your monthly balance and want cash rewards along with the prestige of a metal credit card.
Get 4% cash back on every purchase for the first 60 days, then
-
3%
Cash back on subscriptions and utilities
-
2%
Cash back on gas, groceries and dining
-
1%
Cash back on everything else
Receive cash back in the form of credit on the last day of each billing period.
Additional perks
Included with all WSECU Visa credit cards
- No annual feeDisclosures PDF Footnote†
- No balance transfer feeDisclosures PDF Footnote†
- Auto rental insurance
- Roadside Dispatch® service
- Standard Visa card benefits
- Emergency cash/card disbursement
- Global customer assistance services
FAQ
You automatically earn cash back on eligible purchases based on the purchase category:
- 3% cash back on eligible subscriptions and utilities
- 2% cash back on eligible gas, grocery and dining purchases
- 1% cash back on all other eligible purchases
Your cash back is tracked automatically and will appear as a credit on your Visa statement.
The cash back rate depends on how the retailer is categorized within the Visa payment network.
Here are some common examples:
| Purchase | Typical cash back earned |
|---|---|
| Monthly streaming service | 3% |
| Mobile phone bill | 3% |
| Electric or water bill | 3% |
| Gas station purchase | 2% |
| Grocery store purchase | 2% |
| Restaurant meal | 2% |
| Clothing purchase | 1% |
| Home improvement store purchase | 1% |
| Online retail purchase | 1% |
Yes. Your Visa statement tracks and summarizes the cash back you've earned. You can review your statement to see your accumulated rewards and monitor your cash back activity.
Retailer categorization determines which cash back rate applies. Sometimes a purchase may not qualify for the category you expect because of how the retailer is classified by the Visa payment network. For example:
- A grocery item purchased at a warehouse club or superstore may not be categorized as a grocery purchase.
- A meal purchased inside another business location may not be categorized as dining.
- Some recurring charges may not qualify as subscriptions.
No. Not all recurring payments qualify as subscriptions.
Subscription are determined by the retailer associated with the purchase. While we can't determine how a retailer is categorized, we review classifications regularly and make adjustments when appropriate.
Examples of purchases that may qualify as subscriptions include:
- Streaming services
- Music services
- Digital news subscriptions
- Membership services
However, not every recurring charge is classified as a subscription.
Your Visa statement will categorize and track your rewards activity. Reviewing your statement is the best way to see how purchases were classified and how much cash back was earned.
Retailer classifications can change over time. WSECU periodically reviews retailer categorizations and may make updates when appropriate. Future purchases may receive a different cash back rate if a retailer's classification changes.
Use your Cash Back Visa for:
- Recurring payments — set it and forget it
- Utility payments
- Eligible subscription services
- Gas purchases
- Grocery shopping
- Dining out
Then check your Visa statement regularly to see how your purchases are being categorized and how much cash back you're earning.
