Cash Rewards Visa Card

 Cash Back on Every Purchase

Earn cash back on all your purchases - from filling up the tank to booking your next getaway. Plus, look out for more special promotions to boost your rewards even further! 

No Annual Fee

Enjoy all the benefits without any annual costs, making every reward truly rewarding.

Accepted Worldwide

Wherever your adventures take you, your Ripco Cash Rewards Visa Card is your reliable companion, accepted globally wherever Visa is welcome.

Simplified Management

With 24/7 customer support and easy online access to your account, tracking your spending and managing your card is a breeze.

Auto Rental Collision Damage Waiver

Travel with peace of mind knowing that if your rental car is damaged or stolen, you’re covered. This benefit saves you from out-of-pocket expenses and insurance hassles, letting you focus on the journey ahead.

Key Highlights:

• Comprehensive Coverage: Enjoy peace of mind with coverage for theft and collision, up to the actual cash value of most rental vehicles.
• Global Protection: Whether you're renting a car close to home or on a trip abroad, feel secure knowing your rental is protected in most countries worldwide.
• Extended Rental Periods: Coverage includes rental periods of up to 15 consecutive days within your country of residence and up to 31 consecutive days internationally.
• Simplified Claims Process: Hassle-free claims process, ensuring you’re supported every mile of the journey.

Activating your waiver is as simple as using your Ripco Cash Rewards Visa Card to book and pay for your entire rental. Decline the rental company's collision damage waiver, and you're all set – no extra paperwork, no additional costs.

Extended Warranty Protection

Double the manufacturer’s warranty on your purchases, giving you additional assurance and protection against life’s little mishaps. It’s like having a safety net for your most valued items.

Highlights for Your Enhanced Coverage:

• Double the Warranty: Extend the manufacturer's warranty for up to an additional year on eligible items with warranties of three years or less.
• Up to $10,000 Per Claim: Receive coverage for the actual price of the item, excluding shipping and handling, up to a maximum of $10,000 per claim and $50,000 per cardholder.
• Global Peace of Mind: Whether you’re shopping at home or abroad, enjoy extended protection on your purchases worldwide.
• Making Claims Simple: Should the unexpected happen, filing a claim is straightforward. Just reach out to our Benefit Administrator within 60 days of the failure, and they'll guide you through the process. Whether it's registering your purchase for ease of future claims or navigating the claims process, you'll have help every step of the way.

Exclusions Apply: While Extended Warranty Protection covers a wide array of purchases, there are exclusions, such as motorized vehicles, computer software, and items intended for professional or commercial use. For a comprehensive list of what’s not covered, we encourage you to review the full benefits guide.

Travel and Emergency Assistance Services

Emergencies don’t wait for a convenient time. Whether you need medical referrals, legal assistance, or help with lost luggage, we’re here 24/7 to assist you and your family, making sure you’re never truly alone, no matter where you are in the world.

Highlights of Your Travel Benefits

• Emergency Assistance Anytime, Anywhere: Access to 24/7 support services, whether you're inside the U.S. or traveling internationally.
• A Spectrum of Services: From medical and legal referral assistance to emergency translation services, we’re here to assist with the challenges so you can focus on the journey.
• Ease Your Travel Concerns: Lost luggage? Need an emergency ticket replacement? We can guide you through the process and help mitigate the stress.

How It Works

Simply use your Cash Rewards Visa Card to access these services. Remember, while the assistance and referral services are complimentary, any goods or services provided will be your responsibility.

Adventures should be about discovery, not distress. That’s why your Cash Rewards Visa Card includes Travel and Emergency Assistance Services, offering a safety net for those unforeseen events when you’re far from home.

Whether it’s a lost passport, a medical emergency, or just the need for an English-speaking lawyer, your card ensures help is just a phone call away. Extend your peace of mind to your family too, as these benefits cover not just you, but your spouse and dependents under 22 as well. 

Request an increase

Click here for your easy online Credit Limit Increase Request. 

Report your card lost or stolen

To report a lost or stolen card, call 877-365-4800 and follow prompts. 

Going somewhere?

It may seem an odd question for your Credit Union to ask, but there's a really good reason.

We never want you to be without access to your funds. 

If we detect unusual activity on your account, it alerts our fraud department. If you typically use your credit card close to home, and a charge shows up somewhere else in the world, it could be a signal to freeze your account.

By letting us know your travel plans, we can ensure that you have access to your funds when you need them, wherever you may be.

If you’re planning to use your Ripco Credit Union debit or credit card while traveling, and you provide us with your travel information; we can note it to your account.

Please allow at least 48 hours prior to your departure for us to make sure your card(s) are noted with your plans and will be available during that time.

UPDATE YOUR TRAVEL PLANS HERE

Credit card balances overwhelming? 

Most of us have credit card debt, and often we owe even more than we are comfortable with.

One of the smartest and easiest things you can do when this happens; is to refinance your credit card debt into one easy to manage payment.

Doing this will often lower the interest rate, simplify the repayment process and give you back your control.

GET STARTED NOW!

Other Credit card resources

• Credit Card Agreement (PDF)
• Credit Card Disclosures (PDF)