Credit Cards

<sup>1 Every net dollar charged* equals 1.5% in Cash Back Rewards. Cash Back Rewards do not expire. There is no cap on the maximum amount of Cash Back Rewards that can be accrued. Your account must be open and in good standing (not canceled or terminated by party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when you are in default under the card agreement. Reliant Community Federal Credit Union reserves the right to suspend your participation in the program until your account is in good standing. Cash Back Rewards are forfeited if your card is revoked, closed or 60 days past due. Cash Back Rewards are redeemed on demand and will not be automatically credited to you. You can redeem your Cash Back Rewards through online banking by accessing the Visa Credit Card link and clicking on the Rewards button. The minimum Cash Back Rewards to redeem is $25. You will be able to redeem your Cash Back Rewards to your Reliant Checking or Savings account, not an account at another financial institution. You also have the option to apply your Cash Back Rewards as a statement credit. You may transfer balances from your non-Reliant credit cards and loans by filling in the Balance Transfer request form. These transfers are subject to approval. Amounts transferred will not be included in the balance eligible for Cash Back Rewards.
* Net Dollar Charged: Cash Back Rewards will be based on net purchases (sum of eligible purchase transactions minus returns and refunds) posted to your account at the close of each billing cycle.
2 New Reliant Visa Signature credit cardholders are eligible to receive $150 cash back after charging a minimum of $1,500 in the first 90 days. Once cardholders qualify for the $150 introductory cash back offer, they will see those rewards available for redemption when the statement cycles.
3 APR = Annual Percentage Rate. 0.00% APR intro rate applies to purchases and balance transfers completed for 12 months from the date the account is opened. After that date, all balances will be subject to a variable rate. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The Index may change quarterly. Your variable rate will not exceed 18.00% APR. The 0.00% APR does not apply to balance transfers of existing Reliant Visa credit card balances. The APR is accurate as of 2/1/2023.
4 Visa Signature® Rewards credit card Disclosure
5 APR = Annual Percentage Rate. 0.99% APR intro rate applies to purchases, balance transfers, and cash advances completed for six months from the date the account is opened. After that date, all balances will be subject to a variable rate. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The Index may change quarterly. Your variable rate will not exceed 18.00% APR. The 0.99% APR does not apply to balance transfers of existing Reliant Visa credit card balances. The APR is accurate as of 2/1/2023.
6 Visa Platinum Credit Card Disclosure</sup>

^{All loan terms, conditions, and interest rates are subject to change. All Reliant loans are subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.}