Visa Platinum® Cashback Card

Bundle cash back and Platinum features into one great card

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Benefits & Features

Looking for a better credit card? You just found it.

iQ’s cash back card gives you a super low rate, plus extra cash back. Use your card for your everyday shopping and watch your rewards grow. It's a great way to pay off old balances and save money.iQ Credit Union’s Visa Platinum® Rewards – Cash Back card offers:

  • promotions
    Enjoy 2.99% APR* on the first 6 months of purchases
  • Cash-To-Card
    Unlimited 1.5% Cash Back on Every Purchase

More Rewards to Explore

  • promotions

    Rates as low as 12.74% APR3

  • calendar (2)

    No annual fees*

  • VisaCashbackIcon

    Instant issue credit cards available in retail branches

  • Checkmark-Shield

    Enhanced security features with EMV chip technology

  • Passwork-Computer

    24/7 Fraud Protection

  • NoMoney

    No Interest on Purchases if Paid in Full by the Due Date

  • Travel

    Travel Accident Insurance

Get Started

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Rates Effective as of December 25, 2025
Loan Type APR for Purchases APR for Cash Advances Title-Date More Info
Visa Platinum 10.74% - 20.74% 10.74% - 20.74%
Visa Platinum Cash Back 12.74% - 21.74% 12.74% - 21.74%
Visa Signature Travel 13.74% - 19.74% 13.74% - 19.74%
Visa Secured 10.74% 10.74%

Calculators

Use our helpful calculators to help guide your decision

FAQ's

How do I use the tap-to-pay feature?

Look for the tap-to-pay symbol at the checkout terminal. Hold your card near the symbol—no need to swipe or insert. You’ll hear a beep or see confirmation on the screen when it’s approved.

 

Is tap-to-pay secure?

Yes. Tap-to-pay payments use secure chip technology and generate a unique, one-time code for each transaction, like using a digital wallet on your mobile device.

 

Can I still use my card if the terminal doesn’t accept tap-to-pay?

Yes. You can still insert or swipe your card if tap-to-pay isn’t available.

 

Q: Do I still need to use my PIN for tap-to-pay transactions?

A: Generally, you don’t need a PIN for tap-to-pay transactions, however depending on the dollar amount, merchants may require a PIN.

Credit Card Disclosures

  • *APR= Annual Percentage Rate.

    All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

    Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

    Balance Transfer: *APR= Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs for new balance transfers are between 1.99% to 16.99% based on creditworthiness. The promotional APR for new credit lines is 2.99% for purchase transactions. After 12-month promotional periods end, rates will revert to the then-current APR (currently 10.74%-21.74% APR* as of 12/25/2025, based on creditworthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional balance transfer rates available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than March 20, 2026. For Visa Secured, Visa Platinum, and Visa Platinum Cash Back credit cards, the cash advance fee is equal to the greater of $5 or 2% of the transaction amount, and the foreign transaction fee is 1% of the US Dollar amount. No annual fees. Rewards are only available for purchase transactions.

    Disclosure for Balance Transfer

  • Visa Platinum® Cash Back3  : After promotional period expires, Variable Annual Percentage Rate (APR) will be  12.74% - 21.74%. Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement