Program Rules

Mountain America Business Cash Back Credit Card


  1. Rebates for qualifying purchases on your Mountain America Business Cash Back Credit Card are based on purchases made throughout each quarter after any purchase credits, and excluding cash advances, advances made to pay off other loans, illegal transactions or any other non-purchase related increase of your Visa account balance (e.g. fees, interest charges and money orders).
  2. The amount of any rebate will be calculated by multiplying the amount of qualifying Visa card purchases made in each quarter by the stated cash back percentage. The current cash back percentage is 1.5% with the exception of fuel purchases where it is 2% up to $5,000 net spent per quarter, after which the percentage becomes 1.5%.
  3. The quarterly rebate for the previous quarter’s qualifying purchases will be credited to your Mountain America Federal Credit Union primary share savings account by the end of the week following the end of each quarter.
  4. Your account must be in good standing (i.e., not delinquent or canceled, or otherwise not usable for charges) to receive any rebate. Mountain America Federal Credit Union reserves the right to terminate or suspend your standing in the program if your account is not in good standing.
  5. The rebate will only be credited to the accounts of members that have an open Mountain America Business Cash Back Credit Card at the time of the quarterly rebate payment.
  6. Any earned rebate will be forfeited if the member changes the credit card loan program they are participating in prior to the time of the quarterly rebate payment.
  7. Any introductory offer will be forfeited if the member changes the credit card loan program during the introductory period, effective the first calendar month following the account conversion.
  8. In order to participate in the Business Cash Back Credit Card program and receive the quarterly cash rebate, it is required to have a savings share on the same account as the Business Cash Back Credit Card.
  9. Errors in the rebate calculation can occur and may be corrected by Mountain America Federal Credit Union at any time without notice. Members can review their calculated rebate at any time by visiting a Mountain America Federal Credit Union branch location or calling 1-800-748-4302.
  10. Reasonable steps will be taken by Mountain America Federal Credit Union to ensure proper rebate calculation. Mountain America Federal Credit Union must be notified of any errors in quarterly rebate calculations within ninety (90) days from when the rebate was issued for alleged errors to be evaluated or corrected.
  11. This program may be changed or terminated at any time without notice, restriction or penalty. If Mountain America Federal Credit Union terminates the Business Cash Back Card program for its membership, Mountain America Federal Credit Union will provide a payment for unpaid rebates at that time for participants in the program. 
  12. Any liability for taxes including federal, state or local income, sales, use or other taxes or gratuities imposed on a rebate received from this program will be the sole responsibility of the participant receiving the reward and not Mountain America Federal Credit Union, the rewards provider or any of its affiliates.
  13. Errors in publication of materials may occur. We reserve the right to correct errors at any time including, adjusting past rebate amounts or percentages.
  14. This program is available to accountholders of specified account types at Mountain America Federal Credit Union.
  15. This program is void where prohibited by law.
  16. Using your card following receipt of these rules constitutes agreement to these rules on your behalf.
  17. Contact Mountain America Federal Credit Union to determine if additional rules apply to your participation in this rebate program.
For the full- version of the program rules, reward options and point requirements, please visit www.macu.com or call 1-866-411-2877.