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Last updated on March 11th, 2021
Family Security Visa Signature Cash Rewards
1% Cash Back Rewards on Every Purchase
- Regular Purchase APR 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- Travel accident insurance
- Trip cancellation/trip interruption protection
- No balance transfer fees
- Regular Purchase APR: 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.15% to 18% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $25
At a Glance
If you believe that cash back is the king of the rewards, the Family Security Visa Signature Cash Rewards Card from Family Security Credit Union is right for you. The card earns 1% cash back on every purchase, with no limits on the total amount of cash back you can earn. The card also features Visa Signature travel benefits, including travel accident insurance, lost luggage reimbursement, and exclusive access to Visa’s Luxury Hotel Collection – all for no annual fee.
Ideal for Those Who:
- Want a premium credit card without the premium annual fee
- Travel often and can benefit from Visa Signature perks and security protections
- Prefer earning cash back over rewards points
Family Security Visa Signature Cash Rewards Review
The Family Security Visa Signature Cash Rewards Card is a reliable, robust, and impressive cash back credit card from Alabama credit union, Family Security Credit Union. The card differs from many of the other credit cards in the credit unions product line, in that it boasts impressive credit lines, stable cash back with every purchase, and Visa Signature rewards and protections – all for no annual fee.
Straightforward, No-Nonsense Cash Back
The Platinum Plus Rewards Card from Family Security earns points in the CURewards Program. While earning rewards for merchandise, travel, and other redemptions are well and good, many people simply want their rewards as cash back – something other cards from Family Security don’t provide.
The Visa Signature Cash Rewards earns a flat-rate 1% cash back on every purchase, which is a nice feature for those who use their card often. While 1% cash back isn’t the 2% back, you get with the Citi Double Cash Card, or even the flat-rate 1.5% back with the Chase Freedom Unlimited, it is a solid rate and one that is boosted by the low APR.
The Cash Rewards Card features an APR that is lower than both the Freedom and Double Cash Cards, plus the same APR for balance transfers and Cash advances, something neither of the other cards can offer. While the interest rates with the Cash Rewards Visa Signature aren’t too spectacular, they are still low enough to worth noting – and considering when finding a new credit card.
Premium Credit Limits
The Cash Rewards Card is the top-of-the-line offering from Family Security, and it shows in every regard. The card is designed with the individual that has an excellent credit score in mind – and that includes excellent credit limits to match.
Credit limits with the Cash Rewards Card start at $5,000, meaning no matter what their credit score, those who are approved for the card can expect a versatile tool that not only earns cash back with every purchase, but can also be counted on to pay for more substantial purchases, such as flights, vacations, or anything else.
Visa Signature Perks and Benefits
What makes the Visa Signature Cash Rewards Card the pinnacle of the Family Security credit card range is the variety of perks, protections, and travel benefits that come with a Visa Signature Card.
Visa Signature is second to only Infinite in the Visa hierarchy of card products; offering holders enhanced protections and privileges over a standard visa credit card. Beyond typical Visa security features, such as Zero Liability, fraud protection, and 24/7 customer service, Signature cardholders can expect the following enhanced services:
- Roadside Dispatch: Pay-per-use 24/7 toll-free referral dispatch should cardholders break down on the side of the road.
- Auto Rental Collison Damage Waiver: Visa Signature offers additional insurance for rental cars when using the Cash Rewards Card to pay for a rental car and waiving additional coverage at the rental counter.
- Travel Accident Insurance: Visa Signature cardholders receive up to $250,000 in travel accident insurance for any accidents or injuries that may occur on travel booked with their Family Security Visa Signature Cash Rewards Card.
- Lost Luggage Reimbursement: Visa will recompense cardholders should their luggage booked though a trip paid for with the Visa Signature card go missing.
Visa Signature Cardholders also have access to Visa’s Luxury Hotel Collection, which offers exclusive deals and bookings at some of the world’s most prestigious hotel brands, including Park Hyatt, Shangri-La, and more.
While Signature benefits might not be the most crucial aspect of the Visa Signature Cash Rewards Card, they are a little extra sizzle on an otherwise tasty steak and make the card that much more appealing.
Who Can Join Family Security Credit Union?
Family Security Credit Union is an Alabama-based credit union with over twenty branch locations dotted throughout the state. While most of the branches center on Mobile and Huntsville, there are locations scattered throughout the state, making it a credit union that is equally useful in Birmingham as it is on the blue waters of the Gulf of Mexico.
Membership in the credit union is open to anyone who lives, worships, works, or attends schools in any of the 26 counties Family Security serves. Membership is also open to new or former Ruby Tuesday employees, employees and retirees of the Specialty Restaurant Group, or the Compass Family of Companies.
Should You Apply for the Family Security Visa Signature Cash Rewards Card?
The Family Security Visa Signature Cash Rewards Card is an extremely versatile credit card that offers holders far more than simple cash back. Sure, the 1% back with every purchase is nice, but what really sets this card apart from other Family Security cards are the benefits and security protections that come with a Visa Signature card.
Not only do cardholders get cash back and Signature support and perks, but they’ll also enjoy a low APR on balance transfers, purchases, and cash advances, which is something not available from similarly marketed cards from larger banks or lenders.
Overall, the Family Security Visa Signature is an excellent card that offers exceptional value. While it might not have the bells and whistles of cards from more prominent names, for those who bank with Family Security, the card is a great option.