It’s all about the cash
Cash Back Credit Card
Buy what you want and earn an automatic 1.5% cash back on every purchase.
Get 1.5% cash back
Simply use your Cash Back credit card for eligible purchases and automatically receive 1.5% of the transaction amount as a cash bonus.¹
Cash Back credit card features
- Competitive rates
- No balance transfer fees²
- Same-day card issuance or replacement at any branch
- Card manager—Use the mobile app to freeze your card, change PINs, set travel notifications, instantly add your card to a mobile wallet and more
- Free access to your credit score³
Get more with Signature benefits
Unlock even more benefits when you upgrade your Cash Back card to a Signature card. All you need is a limit of $5,000 or more to qualify for a plethora of premium perks, including:
- Roadside dispatch
- Concierge services
- Luxury hotel collection
- Special car rental privileges
If you don’t have a Signature card, but would like to verify your eligibility, please contact the service center at 1-800-748-4302.
Cash back credit card FAQs
What is cash back credit card?
Cash back is a perk offered by some credit card providers. It allows cardholders to earn back a percentage of the money they spend with the card.
How often is cash back awarded?
With the Mountain America Cash Back credit card, the total cash back amount is automatically deposited into the primary savings account each quarter (January 1, April 1, July 1 and October 1).
How do I get cash back rewards from a Mountain America Cash Back credit card?
To earn rewards, simply make purchases with the card. Non-purchase transactions, such as cash advances and balance transfers, are not eligible.
How can I spend my cash back?
However you'd like. Once your cash back earnings are deposited into savings, they can be used for virtually anything.
When should you redeem cash back rewards? Is there a rewards redemption minimum?
No action is required by the cardholder to redeem cash back earnings. The full amount earned is automatically paid out each quarter.
Can I use cash back to pay my statement balance?
Since cash back earnings are deposited into the primary savings account, you’ll need to transfer the funds from savings to the credit card account.
Will my cash back rewards expire?
No. They are automatically paid in full each quarter.
Apply for your Cash Back credit card
Start earning cash back on your purchases. Simply apply online or over the phone at 1-800-748-4302.
Apply onlineFind a branchAdditional resources
Business Credit Card
- Cash back deposited into primary savings account on a quarterly basis.
- Loans on approved credit. Variable Annual Percentage Rate ranges from % to 18.00% based on card type and creditworthiness. 1% foreign transaction fee. Balance transfers and cash advances will accrue interest from the date the transaction is processed. The Annual Percentage Rate for cash advances is %.
- Credit score available to primary members only.
Terms and conditions
Report fraud
Program Rules
