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Wolverine 4-3-2-1 Everyday Visa Credit Card
More cash back on everyday purchases.
Earn More on Every Purchase.
The Everyday 4-3-2-1 Card rewards your real life, not rotating categories or complicated rules. Just automatic cash back on the things you use most.
Your Cash Back, Broken Down
From late-night takeout to filling up your tank and keeping your subscriptions running, earn rewards on what you actually use with 4% on subscriptions and utilities, 3% on gas, 2% on groceries, and 1% on everything else.
Ready to apply?
Start earning cash back today.
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Find the card that fits your goals and start earning rewards from day one.
What Makes This Card Different
Some rewards cards make you jump through hoops. This one keeps it simple. Your everyday purchases earn cash back automatically, so you get more value without changing how you spend.
How the Cash Back Adds Up
Why spend and get nothing back? Instead, you could be earning 4% on subscriptions and utilities like Netflix, Spotify, and Audible, plus 3% on gas, 2% on groceries, and 1% on everything else you buy!
No activation. No rotating categories. It just works.
This card fits into your routine instead of making you adapt to it. Whether you’re paying for streaming, filling up your tank, or grabbing food, you’re earning along the way. It’s predictable, simple, and easy to manage.
You’ll earn automatic cash back on everyday purchases, plus fraud monitoring for peace of mind, contactless and mobile wallet payments, and digital tools that make it easy to track spending anytime.
4%
Subscriptions & Utilities
3%
Gas
2%
Groceries
1%
Everything Else
Download UCCU Mobile Banking App!
Credit Card Payoff Calculator
The UCCU Credit Card Payoff Calculator is a powerful, easy-to-use tool designed to help you take control of your finances by understanding your credit card debt.
Frequently Asked Questions
Are there any fees associated with the card?
The UCCU 4-3-2-1 Cash Back Visa does not have monthly or annual fees. Enjoy the benefits of earning cash back on your everyday purchases without worrying about extra charges eating into your rewards. There are no hidden fees!
How often will I receive my cash back rewards?
UCCU will automatically deposit your cash back into your account every quarter. There’s no need to track your earnings or manually redeem your rewards. As long as you’re using your card for purchases in the 4-3-2-1 categories, you’ll see your cash back reflected in your account every three months, making it easy to watch your savings grow. You don’t have to do anything to claim your rewards–it’s that simple.
What qualifies as travel, gas, or grocery purchases?
- Travel: This includes purchases like flights, hotel stays, rental cars, and other travel-related expenses.
- Gas: Gas purchases at eligible retail locations qualify for 3% cash back.
- Groceries: Grocery store purchases, including food and household essentials, earn 2% cash back. Some non-grocery stores may not qualify for the 2% rate.
What if I make a purchase that’s not eligible for cash back?
If you make a purchase that doesn’t fall into the travel, gas, or grocery categories, don’t worry–you’ll still earn 1% cash back. This ensures that every dollar you spend contributes to your rewards, regardless of where you shop. Whether it’s a coffee run, online shopping, or a dinner out, you’ll earn cash back with every purchase.
Can I use this card with mobile payment options like Apple Pay or Google Pay?
Yes! The UCCU 4-3-2-1 Cash Back Visa can be added to your mobile wallet, including Apple Pay and Google Pay, for easy and secure payments while still earning cash back on your purchases. Plus, you’ll still earn cash back rewards on all eligible purchases, even when paying with your phone for added convenience and security.
Related Information
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Low-rate Visa Credit Card:
*APR = Annual percentage rate. Variable APR ranges from 11.00% to 17.50% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
4321 Cash Rewards Visa Credit Card:
*APR = Annual percentage rate. Fixed 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
Click to view Credit Card Rate & Fee Disclosure, Visa Cardholder & Protection Agreement, or the 4-3-2-1 Cash Back Card details.