UVM Alumni Visa Signature®
Benefit UVM with Your Purchases
- Regular Purchase APR 18.74% variable based on the Prime Rate
- Balance Transfer APR 18.74% variable based on the Prime Rate
- Cash Advance APR 28.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
Best Benefits ×
- Get 3% cash back at cafes and fast food restaurants, plus on rideshares
- Get 2% cash back on gas and dining
- Get 1% on uncategorized purposes
- Donate $50 to UVM the first time you use the card, and $.25 per $100 spent thereafter
- Get a free University of Vermont coffee table book
Rates & Fees ×
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.74% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals ×
- 20% off + Free Shipping on Fanatics.com orders of $49+ – Offer Expires on April 15, 2021 – See Details
- Stay 3, Pay 2 – Offer Expires on April 30, 2021 – See Details
- Stay 3, Pay 2 – Offer Expires on December 22, 2021 – See Details
- Save 10% on Select Regularly Priced Jewelry – Offer Expires on February 03, 2022 – See Details
- Save 10% and complimentary daily breakfast for two with Preferred Hotels – Offer Expires on March 31, 2022 – See Details
- Every 4th Night Free + Premium Benefits in Brooklyn – Offer Expires on February 28, 2021 – See Details
- Every 4th Night Free + Premium Benefits in New York – Offer Expires on February 28, 2021 – See Details
- Every 4th Night Free + Premium Benefits in West Hollywood – Offer Expires on February 28, 2021 – See Details
- Save $25 in the US with 1-800-GOT-JUNK? – Offer Expires on December 31, 2021 – See Details
- Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 – Offer Expires on December 31, 2021 – See Details
- View All Deals –
At a Glance
The UVM Alumni Visa Signature® makes it possible to carry school spirit right in your wallet. Whether you’re a recent or soon-to-be graduate, this card brings rewards in multiple categories, from food to transportation. Fast food and cafe lovers as well as frequent ridesharing customers can pull in 3% cash back with no limits. Meanwhile, those who prefer to drive themselves or dine at sit-down restaurants can earn 2%, and 1% on all other purchases. To top it all off, each purchase benefits the UVM Alumni Association and there’s no annual fee.Ideal for Those Who:
- Attend or graduated from University of Vermont
- Want their purchases to benefit UVM alumni
- Frequently spend on fast food, café purchases, and rideshares
- Are looking for a rewards card with no annual fee
UVM Alumni Visa Signature® Review
If you’re looking for ways to give back to the University of Vermont, the UVM Alumni Visa Signature®can help. Commerce Bank will not only donate to the alumni association on your behalf, it’ll also reward you every time you use the card. The top cash back categories are a bit niche, focusing on areas that many college students spend the most on. However, the other earning opportunities can still provide value to graduates and other UVM supporters as well.Using Your UVM Alumni Card and Rewards
Though the University of Vermont credit card is marketed toward alumni, the rewards seem best suited for those currently enrolled. Fast food, café eats, and ridesharing are all pretty common expenses for students these days, and this card offers 3% cash back in these areas. While graduates and other non-students can still see these rewards, they’ll likely benefit more from the 2% on gas and dining. Of course, the merchant codes play an important role here with these overlapping categories. To earn the extra rewards, purchases must come from merchants with the correct code. This means that some gas stations, like those associated with superstores, may not qualify as “service stations” and thus earn no rewards. Restaurants include establishments with either the dining or drinking code, while fast food joints and coffee shops both tend to fall into the fast food category. However, cafes that use the restaurant code will only earn the 2%, not 3.Redemption
Redeeming your UVM Alumni Visa Signature® rewards is a bit simpler. Cash back is the most obvious choice, as this is a cash back credit card. When you choose this method, rewards are worth 1 cent and you’ll get a statement credit added to your bill. Note that you’ll need a minimum of 5,000 points saved up. Here’s how much you would need to spend in each category alone to reach this threshold:- Fast food, coffee shops, and rideshares: $1,666.67
- Gas and restaurants:$2,500
- Uncategorized:$5,000