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Cash Back Signature Visa


Earn Unlimited 1.5% Cash Back

With UMassFive's Cash Back Signature Visa Credit Card you earn cash back on every one of your purchases. Best of all, there's no limit to how much you can earn!


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Through October 31, new and existing cardholders enjoy 3.99% APR^ on balance transfers for 12 months!

Plus, there's no balance transfer fees!^^


Unlimited 1.5% Cash Back

No revolving rewards, no guessing—earn 1.5% cash back on every purchase.

Exclusive Travel Features

With UMassFive exclusive features like No Foreign Transaction Fees, Lost Luggage Reimbursement, and Visa Signature Concierge, the Cash Back card is a must-pack item for your next destination.

No Annual Fee

UMassFive will not charge you an annual fee for either of our credit cards.

    Trusted Security

    We take security very seriously. Our credit cards have the following enhanced security features to protect you against fraud:

    • Note: When your Visa credit card is being used in an unusual location or manner, we take notice. Please let us know about your travel plans, such as vacations, to avoid any service interruption.

    Cash Back Visa Signature Card Rate



    Annual Percentage Rate Max Term Limits
    Cash Back Visa Signature Credit Card 12.75% - 18.00% Revolving $25,000.00
    Rates subject to change at any time. Rates effective as of August 01, 2020.

    Ready to apply for your Cash Back Credit Card?



    For disclosures and additional details, visit here.

    Financial Knowledge:


    ^ APR=Annual Percentage Rate. The 3.99% promotional rate will be applied to all balance transfers made between August 15, 2020, and October 31, 2020 and will carry the promotional rate until 12 months after your first balance transfer is made. After this date your remaining balance will revert to your regular approved stated rate. You cannot transfer balances from other UMassFive accounts. Be sure not to transfer any disputed purchases or other charge amounts, as you may lose your dispute rights. Transfer may take up to 3 weeks to process; it is your responsibility to continue to make any necessary payments due on your credit cards and loans until the transfers have been completed. This promotional offer ends October 31, 2020 and no transfer will be made after this date at the special promotional 3.99% APR rate.

    ^^ Balance Transfer Fees waived for the UMassFive Cash Back Signature Visa for this promotional term only.