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Personal Borrow Money Credit Cards

Cash Rewards Visa® Credit Card

SAFE Cash Rewards Card

 Variable APR

Earn unlimited cash back on purchases*

5% cash back on one revolving bonus category of your choice + 3% when you dine at restaurants, or buy groceries or gas + 1% on all other purchases. See our bonus categories!


Redeem, your way

Redeem as little as $10, either as a one-time or automatic redemption, and apply those rewards to your card balance, deposit them into your SAFE account, or donate them to charity – you decide!


Increase your flexibility

Lock in a credit line up to $35,000 with a 25-day grace period on new purchases.


Free yourself from fees

This card features no annual fee and no balance transfer fee. Plus, you can skip the cash advance fee if the advance is taken at any SAFE ATM, or via CALL-24 Phone Banking or SAFE Online Banking.


Gain peace of mind

You’re protected from unauthorized transactions with zero liability. Refer to your agreements for rights and responsibilities. Plus, take advantage of complimentary Travel Accident Insurance and Warranty Manager Service.


5% Cash Back
Bonus Categories

January - March, 2023

Wholesale Clubs
  • Gyms & Health Clubs
  • Wholesale Clubs
  • Tax Prep Services
  • Clothing Stores
  • Utilities
  • Charities

April - June, 2023

Sporting Goods Stores
  • Home Improvement
    (ex: Home Depot, Lowe's)
  • Outdoor Recreation
    (ex: REI, Bass Pro Shop)
  • Wholesale Clubs
    (ex: Costco, Sam's Club)
  • Travel
    (ex:, Google Flights)

July - September, 2023

Utility Companies
  • Amazon**
  • Home Improvement Stores
  • Utility Companies
  • Travel
    (ex:, Google Flights)

October - December, 2023

  • Amazon**
  • Discount Stores
    (ex: Walmart, Target)
  • Travel
    (ex: Orbitz, Expedia)
  • Utilities
Tips to quickly earn cash rewards

Tips to quickly earn cash back

Connect all the things you love in life to your cash rewards credit card to maximize your cash back. Use our personalized to-do list to help.

Get Started

Welcome to a new way to pay

Digital wallets

** purchases exclude subscription and subsidiary services including but not limited to: Amazon Prime Membership Renewal, Amazon Music & Video, Audible, Amazon Pantry, Kindle, Twitch, or Whole Foods.

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