Earn 1% cash back on every purchase transaction
No category requirements needed. Earn on every purchase transaction with the Sovita REWARDS VISA® credit card. Additional benefits include:
Generous grace period, no liability for fraudulent charges and reasonable terms.
Low variable interest rate for purchases and cash advances.
Cash advances worldwide at any ATM that displays a VISA® or PLUS® logo.
Access the account using A+COMPUTE for balance and transaction information and to make payments. Download account transaction information to Quicken® to reconcile your account.
Apply online, at any credit union office or call a Member Services Representative at (800) 369-2786, (810) 720-8300 or (810) 664-5351.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases: 14.40%, 20.40% or 22.40%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers: 14.40%, 20.40% or 22.40%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances: 14.40%, 20.40% or 22.40%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.
Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 Bureau.
Fees
Annual Fee: None
Transaction Fees: Cash Advance, Foreign Transaction - Either $5 or 3% of the amount of each cash advance, whichever is greater. 1% of each transaction in US Dollars.
Transaction Fees: Cash Advance, Foreign Transaction - Either $5 or 3% of the amount of each cash advance, whichever is greater. 1% of each transaction in US Dollars.
Penalty Fees: Late Payment - Up to $19
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of this card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, write us at: P.O. Box 320830, Flint, MI 48532-0015.
*The 1% cash back rewards are calculated throughout the year and credited to your VISA statement for January of the following year. You will not receive the rewards if you close your account before the rewards being credited and rewards may be lost if your account becomes delinquent. You can earn rewards each year under this program for your purchase transactions. The cash-back reward can be tracked through the eZcardInfo website via A+COMPUTE® Online Banking. The rewards program is subject to change by the credit union at its discretion from time to time; you will be informed of changes by a notice that appears on or with your monthly statement or through a separately mailed item.
