Prospera Credit Union Rewards Card
Earn rewards on everyday purchases with no annual fee. Redeem for cash back, statement credits, or gift cards. The card that pays you back for the spending you already do — groceries, dining, gas, and everything else.
Rewards that add up
Earn points on every purchase with no caps on total rewards earned. Points never expire as long as your account remains open and in good standing.
2x points
On dining and grocery purchases at supermarkets, restaurants, and food delivery services.
1x points
On all other eligible purchases — gas, travel, shopping, subscriptions, and more.
$0 annual fee
No annual fee, no foreign transaction fee, and no fee to redeem rewards.
Introductory offer
Earn 20,000 bonus points after you spend $1,000 in the first 3 months from account opening. That's $200 in cash back, statement credit, or gift cards. Plus, 0% intro APR for 15 months on purchases and balance transfers made within 60 days of account opening.
Redemption options
Cash back
Redeem points for cash back deposited directly to your Prospera Credit Union checking or savings account. 100 points = $1.00.
Statement credit
Apply points to your card balance as a statement credit. Minimum redemption: 2,500 points ($25).
Gift cards
Redeem for gift cards from 50+ popular retailers and restaurants. Some gift cards offer bonus value (e.g., 110 points = $1 at select merchants).
Travel
Book flights, hotels, and car rentals through the Prospera Credit Union Travel Portal. Points worth 1.25¢ each when redeemed for travel.
Card details
| Feature | Details |
|---|---|
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Intro APR (balance transfers) | 0% for 15 months (3% transfer fee) |
| Variable APR | 18.99%–26.99% after intro period |
| Foreign transaction fee | None |
| Late payment fee | Up to $40 |
| Fraud protection | 24/7 monitoring with zero liability on unauthorized charges |
| Free credit score | Monthly FICO score update in Online Banking |
| Card replacement | Free overnight shipping on lost or stolen cards |
Subject to credit approval. Terms and conditions apply. Introductory offers available to new cardholders only.
Card benefits
- Tap to pay with Apple Pay, Google Pay, and Samsung Pay
- Instant card lock/unlock from the Prospera Credit Union mobile app
- Real-time purchase alerts via push notification, text, or email
- Extended warranty protection — adds 1 year to manufacturer warranties (up to 4 years)
- Purchase protection — covers new purchases against damage or theft for 120 days
- Travel accident insurance when you book with your card
- 24/7 concierge for travel bookings, event tickets, and dining reservations
Rewards card FAQs
Do I need a Prospera Credit Union checking account to apply?
No, but linking your card to a Prospera Credit Union checking account enables automatic cash back deposits and simplifies payments.
When do points post?
Points appear within 1–2 business days after the transaction posts to your account. Returns and refunds deduct the corresponding points.
Is there a limit on points I can earn?
There is no cap on total points earned. The 2x dining and grocery multiplier applies to the first $10,000 in combined category spending per year, then 1x thereafter.
Can I add an authorized user?
Yes. Add up to 5 authorized users at no additional cost. They earn points on their purchases, which are added to your rewards balance.
How do I make a payment?
Pay your balance from Online Banking, set up automatic payments, or mail a check. Minimum payment is due 25 days after each statement closing date.