Cash Back That Believes in You
Most premium cash back cards require excellent credit. ACU Green Rewards pays 1.50% back on everything, deposited straight to your savings every month, with fair credit welcome and no annual fee, ever.
A Fresh Start with More Cash Back Than Most Premium Cards
Compare ACU’s Visa credit cards. All have no annual fee. The Green Rewards Card earns the highest cash back rate in the lineup.
Visa Platinum
Best for carrying a balance or transferring debt
- Ask about current balance transfer offers
- ACU’s lowest rate card
- No annual fee
- Good to excellent credit
Visa Platinum Rewards
Best for established credit with cash back rewards
- 1% cash back (redeems annually Nov to Dec)
- 9.79% to 18.00% variable APR
- No annual fee
- Good to excellent credit
Green Rewards
ACU's highest cash back rate, fair credit welcome
- 1.50% cash back deposited to savings every month
- Fair credit scores welcome
- 15.99% fixed APR that never adjusts
- No annual fee, no balance transfer fee
More Cash Back. Monthly. No Strings Attached.
Green Rewards pays the highest cash back rate in ACU’s card lineup and deposits it directly to your savings account every single month.
1.50% Cash Back on Everything
Groceries, gas, bills, restaurants, travel: every purchase earns 1.50% back. That’s 50% more per dollar than ACU’s Platinum Rewards card, and more than most bank cash back cards with annual fees.
Monthly Deposit Straight to Your Savings
No login required to redeem. Your 1.50% cash back is calculated each month and deposited automatically into your ACU Primary Savings account. It just shows up.
Fair Credit Scores Welcome
You don’t need excellent credit to qualify. Green Rewards is designed specifically for members building or rebuilding their credit history. This is a card that believes in you before your score does.
15.99% Fixed APR
A predictable, fixed rate that never adjusts with market movements. Know exactly what you’re paying, every month, without rate surprises.
No Annual Fee, Ever
Carry the card for free, for life. Every cent of cash back is net gain. There’s no annual charge to subtract from your earnings.
Balance Transfers, No Transfer Fee
Move high-rate balances from other cards with no transfer fee. Consolidate into one lower-rate payment and start paying down debt while you earn cash back.
Green Rewards Rates at a Glance
All rates subject to creditworthiness and change without notice.
Effective October 1, 2026 · View Full Lending Rate Schedule →
| Rate / Fee | Visa Platinum | Visa Platinum Rewards | Green Rewards |
|---|---|---|---|
| Purchase APR | 8.79% to 18.00% variable | 9.79% to 18.00% variable | 15.99% fixed |
| Balance Transfer | Ask about current offers | Standard purchase rate | Standard purchase rate |
| Cash Back | None | 1% (redeems Nov to Dec) | 1.50% (monthly deposit) |
| Annual Fee | None | None | None |
| Balance Transfer Fee | None | None | None |
| Credit Required | Good to Excellent | Good to Excellent | Fair to Good |
† Cash back rewards are deposited monthly to your ACU Primary Savings account. Maximum cash back is $100.00 per month. Rewards are not earned on cash advances, balance transfers, interest, or fees. See full Visa disclosure and ACU Card Terms and Conditions for complete details.
Three Steps to Your Fresh Start
Membership is open to Pacific Northwest residents, military members & their families, and qualifying organizations.
Become an ACU Member
You must be an ACU member to apply. Joining takes about 5 minutes online and requires just a $25 deposit to open a Regular Share Savings account. See eligibility →
Apply in About 10 Minutes
Green Rewards is designed for members with fair to good credit. You don’t need a perfect score. Questions? Any branch can walk you through what to expect.
Start Earning Cash Back from Day One
Every purchase earns 1.50% back. It deposits automatically to your savings each month with no redemption steps required.
“As embarrassing as it is to admit, no financial institution would touch me due to how bad my credit and financial situation was, until ACU. Literally on every level, they go above and beyond, not just once but every time. Now I find myself hitting less and less speed bumps, planning for my future, building a business. I used to never think about retirement but now it has become yet another goal in my life.”
Frequently Asked Questions
No. The Green Rewards Card is designed for members with fair to good credit. It’s a card built for people who are building or rebuilding their credit history, not for those who have already maxed it out. If you’re unsure where you stand, an ACU representative can help you assess your options without pressure.
Your 1.50% cash back is calculated each month based on net purchases and deposited automatically into your ACU Primary Savings account. No login, no redemption steps, no waiting. It shows up in your savings at the end of each month.
All net purchases earn rewards: groceries, gas, household expenses, services, travel, and more. Cash advances, balance transfers, interest charges, and fees do not earn rewards.
Yes. The maximum is $100.00 in cash back per month, which applies only at very high monthly spending levels. For most members, there is no practical limit.
No. Your Green Rewards cash back does not expire as long as your account is open and in good standing.
Yes, and there is no balance transfer fee. Consolidate high-rate balances from other institutions into a single Green Rewards payment at a fixed 15.99% APR. Contact ACU after approval with your other card details and ACU will handle the payoff.
Legal Disclosures
*APR = Annual Percentage Rate. This transaction is subject to credit approval. Only accounts that comply with the terms and conditions of the Visa Account Agreement will be eligible to earn Cash Rewards. If your account is delinquent, you will not accrue Cash Rewards and ACU reserves the option to withdraw Cash Rewards previously earned. Cash Rewards begin accruing again once the account is no longer delinquent.
† Cardholders will earn a 1.50% cash reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on your Credit Card Account, rounded to the nearest one cent ($0.01). You do not earn Cash Rewards on cash advances of any kind, balance transfers, any interest or fees, including but not limited to returned payment fees, and late fees. Cash Rewards are calculated monthly and deposited to your ACU Primary Savings account. Maximum Cash Rewards are $100.00 per month. Your account must be open and in good standing at the time of redemption. ACU reserves the right to amend, cancel, or temporarily suspend the Cash Rewards Program at any time. See full Visa Account Disclosure and ACU Card Terms and Conditions for complete details.
Ready for a Card That Works as Hard as You Do?
Apply for the ACU Green Rewards Card and start earning 1.50% cash back on every purchase, deposited straight to your savings every month. Fair credit welcome.
Apply for Green Rewards