CREDIT CARDS
Cash Back Credit Card
A low-rate card with no annual fee.
The Cash Back Credit Card is designed to help put cash back in your pocket with every dollar you spend.
Annual Fee: $0
Rate: as low as 13.75% to 18.00% APR**
Putting More Cash Back in Your Pocket
Earn Cash Back on Every Purchase
Get rewarded every time you spend—no categories, no tracking, just simple, consistent cash back. You’ll automatically earn 1.50% back on all transactions—no hoops, no categories, just simple, consistent rewards.
Welcome Bonus
Receive $200 after spending $1,500 in the first 90 days.
Boost Your Earnings with NOVA Perks™
With a NOVA Perks™ subscription, you’ll earn 2.00% cash back on every purchase, making it easier than ever to get more from your everyday spending.
Simple, Everyday Value
No rotating categories or activation needed—just straightforward rewards that fit how you already spend.
Credit Card Features That
Work for You
Simple tools, built-in protection, and real value—on every Blue credit card.
No Annual Fees
Keep more of what you earn—no annual fee, no surprises.
Free Credit Score & Insights
Track your credit score and get helpful insights to keep moving forward.
Tap to Pay Technology
Fast, secure, and contactless—just tap and go.
Low Rates
Save on interest with rates designed to work in your favor.
Simple, straightforward rates
No guesswork. Know your rate before you apply.
Cash Back Credit Card
Everyday Rewards Credit Card
Pathways Credit Card
See how fast you can pay it off
Use our Credit Card Payoff Calculator to estimate how long it will take to pay down your balance — and how much interest you’ll pay along the way.
Manage your card from anywhere
The BlueCC app puts your credit card controls in your pocket — payments, alerts, lost card reporting, and more.
BlueCC App
Download the app and take control
Download the BlueCC app for iOS or Android to get started.
Make Payments
Pay your credit card bill quickly and securely from the app, any time.
Report a Lost or Stolen Card
Lock your card or report it lost or stolen instantly — no hold music required.
Set Alerts & Controls
Get real-time notifications and set spending controls to stay on top of your account.
Already a cardholder?
Quick links to manage your account.
Check Application Status
Applied recently? Track the status of your credit card application online.
Rates & Fees
View current rates and fee disclosures for the Pathways Credit Card.
Credit Card Payoff Calculator
Find out how long it will take to pay off your balance and how much interest you’ll pay.
Get Started
Ready to apply for your Cash Back card?
No annual fee. A low rate. And tools to help you stay on track. Apply online in minutes — membership required.
Cash Back Credit Card FAQs
What’s the benefit of the Cash Back card?
It’s ideal for members who want easy, consistent rewards on everyday spending without tracking categories.
How does cash back work on this credit card?
You’ll earn cash back on every purchase—automatically. No rotating categories or activation required.
How much cash back can I earn?
With a NOVA Perks™ subscription, you’ll earn 2.00% cash back on every purchase, making it easier than ever to get more from your everyday spending.
All Cash Back cardholders who are not a NOVA Perks™ member automatically earn 1.50% back on all transactions—no hoops, no categories, just simple, consistent rewards.
Is there a welcome bonus?
Yes—earn $200 after spending $1,500 within the first 90 days.
Is there an annual fee?
No—there is no annual fee, so you can build credit without added costs.
How does the balance transfer offer work?
New cardmembers can transfer a balance from another card and pay 0% APR** for 12 billing cycles. A 3% balance transfer fee applies. The offer is available for 120 days from the date your card is opened. After the introductory period, your standard APR applies.
How is this different from other Blue credit cards?
If you prefer simple, straightforward value, cash back is often easier to use. If you like maximizing categories or travel rewards, a points-based card may be a better fit.
How do I apply?
You can apply online, by calling 1-800-368-9328, or by visiting a Blue FCU branch.
All rates effective as of:
Rates may be subject to change without notice.