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VISA® Cash Back Credit Card

Earn 1% cash back on every purchase

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VISA® Cash Back Credit Card

Unlock the power of savings with our VISA® Cash Back Credit Card. Designed to discount your everyday spending, this card offers 1% cash back on every purchase, ensuring that every dollar you spend works harder for you. With competitive interest rates, no annual fee, and exceptional customer service, our VISA® Cash Back Credit Card is the smart choice for those who want to maximize their financial benefits. Join us and start earning today!

VISA® Cash Back Card

Instant Issue Cards

Verified by VISA®

Card Flex Program

Lost or Stolen Card

VISA® Cash Back Card

Fixed rates as low as 12.90% APR
  • Earn 1% cash back on every purchase
  • Automatically pays 1% cash back every month, no need to request it
  • No Annual Fee
  • Competitive low fixed rates
  • No balance transfer fees
  • Unlimited Transactions
  • EMV Contactless Card technology for tap-and-go payments
  • Earns End-of-Year Member Reward Dividend
  • Zero Liability Protection for unauthorized charges
  • …and more shown below!
apply now

Instant Issue Cards

All VISA® cards printed in minutes at branch locations
  • Instant availability of new, lost, or stolen cards
  • Can be printed in a variety of design styles
  • Easily change your PIN number at all branch locations

Verified by VISA®

Added protection for secure online purchases
  • Extra security layers to help prevent unauthorized online use
  • No fees for this service that goes beyond the standard fraud protection
  • Requests additional verification when an online transaction is initiated
  • May ask the member to contact us prior to authorizing the purchase if flagged as suspicious

Card Flex Program

Pre-qualified offers for limit increases & balance transfers
  • Offers will be extended to you automatically if you qualify
  • Offer for 6-month promotional 0% APR on all balance transfers if you qualify
  • Offer for credit limit increases if you qualify
  • Requires Member Exclusive Offer (MEO) code that we’ll send to you by email
Enter Card Flex Code

Report Lost or Stolen Card

Call our local contact center at 951-267-9951 during business hours

Call 800-754-4128 after hours (debit cards)

Call 800-808-7230 after hours (credit cards)

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"A fixed rate credit card is hard to find these days, especially with rates still high and variable rates easily over 20%. I was happy to get approved for a much lower fixed rate at First Californian. What I like the most is that my cash back rewards are automatically deposited into my account every month. No need to redeem points, which makes my life easier."

First Californian Member

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VISA® Credit Card Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Fixed Rate Credit Cards1APR
VISA® Reward PointsAs low as 9.90% fixed
VISA® Cash BackAs low as 12.90% fixed
VISA® Secured9.90% fixed for all credit scores
VISA® Business Cash Back As low as 9.90% fixed

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Minimum limit is $200.00 unless part of a promotional program.

For more information visit Terms & Conditions, Current Rates, and Fee Details.

Additional Info

Get cash back for using your credit card. Cash back credit cards allow consumers to obtain significant cash paybacks over time. Earn cash rewards on everyday purchases merely by using a cash back credit card. Our credit union pays back a percentage of each of your purchases automatically at the end of your billing cycle. No more needing to request your cash back. Yes, it’s that simple.

Our cash back credit card gives 1% cash back on every purchase. Use your card and see some of that money come back to you each month. For example, if you were to spend $200 on your credit card for online shopping during each billing cycle, you’d see $2 come back to you. It may not sound like much, but it’s essentially a way to get price breaks on everything you buy online.

Another way to receive rewards is through cash back for gas stations. Use your cash back credit card for all your gasoline purchases and see some of that money come back into your bank account of choice each month. Rebates are automatically deposited monthly into your preferred bank account. Think of it as a way of buying discounted gas for your vehicle.

Smart consumers know when to use their credit cards and when not to. Staying within your means is very important not only for family budgeting and long-term financial planning but also for your credit score.

One way to boost your credit score is to use your credit card consistently each month while saving enough to pay it off regularly. If done correctly, you can save money with your credit card purchases while also increasing your FICO score.

There are many different credit cards available, all with several different reward options. Some of these are great for certain consumers, but getting bogged down in the details of which is the best type of card for dining or travel can get confusing. Furthermore, some reward cards offer their incentives in the form of gift cards or a statement credit. Our cashback Visa is simple. Save money on every purchase and get money back to your account of choice.

Having a cash rewards credit card can be a great way to save money and build credit as long as you use the best personal finance practices. Get started today with rates as low as 12.90% APR and ensure safe purchases with Zero Liability protection.

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Prefer to earn VISA® Reward Points? 

  • Earn 1 point for every $1 spent
  • Fixed Rate as low as 9.90% APR
  • No Annual Fee or Reward Limits
  • Redeem points for gift cards, cash, fuel, entertainment, grocery, travel, products, & more!
VISA® Rewards Credit Card