RateHerald

Our illustration, not the card’s design

Elevations Credit Union credit card

Visa Signature Cash Rewards, Visa Signature Travel Rewards, Go Buffs Visa Signature

$49 a year. $200 cash back after you spend $1,000 in 3 months. Purchase APR 18.24–21%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Elevations Credit Union’s terms

Welcome offer

$200 cash

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

The Visa Signature Cash Rewards Card account receives 20,000 bonus points, redeemable for $200 cash back. Bonus points generally post 6 to 8 weeks after qualification.

  • Smaller than about 60% of the 48 other cash bonuses we track.

Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

“This bonus offer is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”

The issuer’s terms, from its page, as of Oct 21, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$330$130
Typical spender$600$400
Heavy spender$1,140$940
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$130a year

$330 the first year, with the welcome bonus.

Rewards and credits$180

You keep $130−$50 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$400a year

$600 the first year, with the welcome bonus.

Rewards and credits$450

You keep $400−$50 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$940a year

$1,140 the first year, with the welcome bonus.

Rewards and credits$990

You keep $940−$50 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 35% of the 171 cards on our Sign-up bonuses list (see the list).

Other cash back cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Elevations Rewards

How you earn

1.5%
Everything else

Cash back, as a share of each purchase.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months
Balance transfer APR
Balance transfer fee
Cash advance APR
Late payment
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

Questions

What is the annual fee?
$49 · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
18.24–21.00% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
0% for 12 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
$200 cash back after $1,000 in purchases in 3 months. · elevationscu.com, since Oct 5, 2026
Read the card agreement

We don’t earn anything from this link.