If you're in Idaho, Washington, or Oregon and looking for a solid cash-back credit card with a nice sign-up bonus, Idaho Central Credit Union has a deal worth checking out. Their Premier Rewards Visa Card is currently offering 48,000 bonus points—which translates to $300 cash back—after you meet a reasonable spending requirement. Let's break down what you need to know to snag this bonus.
What's the Deal Exactly?
Idaho Central Credit Union is sweetening the pot for new cardholders with a 48,000-point bonus. That's $300 in cash back once you redeem. The catch? You need to put $500 on the card each month for your first three months. So total spend is $1,500 over the quarter—pretty doable if you use it for groceries, gas, or everyday bills.
The offer is only for new consumer Premier Rewards Visa accounts, and you need to open it by June 30, 2024. So if you're on the fence, don't wait too long.
Beyond the Bonus: What You Get Long-Term
Once you've earned the bonus, the card keeps giving. You'll earn 2 points per dollar on every purchase. There's no annual fee, so you can keep it in your wallet without worrying about a yearly charge eating into your rewards.
One thing to watch: foreign transaction fees. If you travel abroad, this card charges 1% on multi-currency transactions and 0.80% on single-currency ones. That's lower than many cards, but not zero. So for international trips, you might want a dedicated travel card with no foreign fees.
Who Should Apply?
This card is a great fit if you live in Idaho, Washington, or Oregon and want a no-fuss cash-back card with a solid intro bonus. The spending requirement is manageable—$500 a month is less than what many cards ask for. Plus, no annual fee means you can keep it open for your credit history without cost.
But if you frequently make purchases in foreign currencies, the transaction fees might sting. Also, check if you're already an ICCU member or can become one—credit unions often have membership requirements.
- Good for: Residents of ID, WA, OR who want easy cash back with no annual fee.
- Not ideal for: Frequent international travelers or those who prefer travel rewards over cash back.
Bottom Line
- Earn $300 cash back after spending $500/month for 3 months.
- No annual fee and 2x points on all purchases.
- Offer ends June 30, 2024—apply soon.
- Watch for foreign transaction fees if you travel abroad.
Common Questions
How do I redeem the 48,000 points for cash back?
Points are redeemed through ICCU's rewards portal. 48,000 points equal $300 cash back, which can be applied as a statement credit or deposited into your ICCU account.
Can I get the bonus if I already have an ICCU credit card?
The offer is for new consumer Premier Rewards Visa accounts only. If you already have this card or another ICCU card, you likely won't qualify. Check with the credit union for specifics.
Is there a minimum credit score required?
ICCU doesn't publicly disclose minimum credit scores, but as a credit union card, it typically requires good to excellent credit. It's best to apply and see.
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