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Cards: Visa with Cash Back


Visa With Cash Back Credit Card

Rates as low as

13.49% APR *



A woman shops online with Topside VISA Cash Back credit card.


All the Benefits of a Visa with Cash Back Credit Card


Generous Credit Line

Pay for everything you need and want with a limit between $5,000 and $30,000.

Cash Back on Qualifying Purchases**

You get 1.5% cash back on all qualifying purchases - straight into your Topside prime share every quarter.

Enhanced Fraud Protection

If your card is lost or stolen, just report the suspicious activity and you'll have zero liability.

Save Money on Fees

We won't charge you an annual fee or over-limit fee, and there's no default rate if you're running late.

See the Competitive Rates on Our Visa with Cash Back Credit Card

Effective as of 05/30/2023 and subject to change.

  Visa with Cash Back Credit Card
Credit Amount $5,000 - $30,000
Fees No Annual Fee
Balance Transfer Fee: 3% of the transfer or $5, whichever is greater
Late Payment Fee: up to $20
International Transaction Fee: 1% of each foreign currency transaction; .80% of each US dollar transaction in foreign countries
Stop Payment Fee for credit transaction: $32
Card reissue Fee: $10 per card, one free per calendar year
Express Card Fee: $50 per request
We also have instant issue credit & debit cards in all of our branches. The card reissue fee applies to these products while the $50 Express Card Fee does not.
Annual Percentage Rate 13.49%
Purchases 13.49%
Balance Transfers 13.49%
Cash Advances 13.49%


View Rates


Visa with Cash Back Credit Card

Get rewarded for the spending you do with cash back! Our Visa with Cash Back Credit Card comes with a generous credit limit, a great rate, and most importantly, an opportunity to put money back into your pocket.

The MyCardRules™ app lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device.

Take advantage of a card that gives you 1.5% cash back on the purchases you make, plus enjoy the same competitive APR on purchases, balance transfers, and cash advances. It’s a smarter way to spend.

Apply Now
A happy woman in a cafe reaches for her Topside VISA Cash Back credit card.




“We have been members for over 20 years. The customer services and products are wonderful. It's all you want in a credit union: family oriented, timely reply and exceptional service.”




Enjoy These Great Features of Your Visa with Cash Back Credit Card

1.5% Cash Back

Qualifying purchases reward you with cash back deposited into your Topside FCU prime share every quarter.

Competitive Rates

We run on a not-for-profit business model so we can give you lower rates and fewer fees.

Up to $30,000 Limit

Starting at $5,000, a generous credit line means you'll always have everything covered.

Competitive, Fixed APR

You'll pay the same great rate on balance transfers, cash advances, and your purchases.

Easy 24/7 Account Access

Use Online and Mobile Banking to look up details, make payments, transfers, and more.

Zero Fraud Liability

You won't be accountable if your card is lost or stolen and used for fraudulent purposes.


Topside Federal Credit Union Contact Options



FAQs About Our Visa with Cash Back Credit Card


More Useful Visa Products and Services

Visa Account Updater

Merchants can automatically get your new details if your card is reissued, lost, stolen, or compromised.

Learn More

Visa Checkout

Save time when you shop online. Enter your details once, then use a single, secure log-in to make purchases from any device.

Learn More

Visa Check Cards with ScoreCard® Rewards

Get rewards for the everyday purchases you put on your debit card.

Learn More

Balance Transfers

Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.

Learn More


Lost or Stolen Card?

Don't worry, we're here to help. Give our 24/7 phone number a call at 1-800-472-3272.

During business hours you can call 1-877-302-5253 and select Option 4


*Annual percentage rate may vary depending on individual credit history and underwriting terms. View for more information.

**Qualifying purchases do not include cash advances, balance transfers, convenience checks, or returns.