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Last updated on May 12th, 2021
Quorum Cash Back World Mastercard®
Earn Unlimited Cash Rewards that Don't Expire
- Regular Purchase APR 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn unlimited points per $1 spent with redemption values of 1.25% cash back or 1.00% on gift cards
- No annual fee and no balance transfer fees
- Zero Liability protection from fraudulent purchases
- Unlimited free two-day shipping from ShopRunner.com and a 10% discount on travel bookings with OneFineStay.com
- Regular Purchase APR: 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 8.9% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2% of the amount of each cash advance, whichever is greater (max $25)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
Offer Details
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At a Glance
Earn unlimited cash rewards that don’t expire with the Quorum Cash Back World Mastercard®; take advantage of easy, automatic redemption options, no annual fee or balance transfer fees, and great Mastercard® perks and protections. This card’s interest rate is relatively low compared to many similar card offers, which adds to its allure.
Ideal for Those Who:
- Want to earn unlimited cash rewards that don’t expire
- Want to earn 1.25% cash back, or 1.00% on gift cards for every dollar spent
- Want a card with no annual fees or balance transfer fee
Quorum Cash Back World Mastercard® Review
For those who want to capitalize on a low, competitive interest rate to increase their savings as they earn cash back, the Quorum Cash Back World Mastercard® is an enticing credit card offer from Quorum Federal Credit Union. Combining a low APR (between around 11% and 18%) for both purchases and balance transfers, with no annual fees and unlimited csh rewards (that don’t expire), this credit card is ideal for anyone who wants to save money after making large purchases even as they earn cash back from their spending. Cardholders that want to pay down a previous balance can save too, since there are no balance transfer fees for this card.
Earn cash rewards at a rate of 1 point per $1 spent; redemption values are 1.25% cash back or 1.00% on gift cards for every dollar spent, with easy, automatic redemption. Quorum Cash Back World Mastercard® cardholders will also enjoy unlimited free two-day shipping with ShopRunner, and more.
The Quorum Cash Back World Mastercard® is accompanied by a suite of perks and benefits from Mastercard®. The peace of mind that comes with knowing you are not liable for any fraudulent purchases is just the tip of the iceberg; in addition to zero liability, you’ll enjoy extended warranties, price protection and purchase assurance, ID Theft resolution services, Tap & GO™ contactless technology, and more. For those who wish to bring their card with them as they travel, Mastercard® features several great perks.
In addition to emergency card replacement and emergency cash advances, you’ll enjoy access to Mastercard Travel Services™, Mastercard Airport Concierge™, trip cancellation insurance, MasterRental insurance for your rental car, MasterAssist Travel Assistance services and roadside assistance, lost and damaged luggage insurance, and travel accident and baggage delay insurance.
Should You Apply for the Quorum Cash Back World Mastercard®?
The Quorum Cash Back World Mastercard® features an exceptionally low APR for any rewards credit card, making it a great choice for the Quorum FCU member that wants the best of both worlds. The card provides a decent cash back rewards on every purchases, with no annual fees or confusing bonus categories. It’s the APR that is the real highlight of the card, however. Even applicants with average credit can expect a very competitive rate – one possibly ten percentage points lower than they may find from a larger bank.
