As a Spectrum Credit Union (Spectrum) member, you deserve the very best. What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that's right for you! All of our credit card products come with a variety of important features including EMV smart chip technology.
Build Your Credit.
Visa® College Real Rewards Card
- Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.2
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
1Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
2The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
Click on APPLY NOW below to learn more about each product's features and benefits and submit your application today!
For more information, please stop by your local Spectrum branch, or call us at 510-251-6000 or toll-free 800-782-8782.
To report a lost or stolen card 24 hours a day, please call toll-free 866-633-9958. If you are outside of the United States, call us collect at 701-461-1878.