11/2/21, 10:36 AM Cash Back V isa� Signature Credit Card Details & Disclosures | UMassFive
https://www .umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures 1/4The curr ent prime r ate is: 3.25%. Rates eff ectiv e as of Oct ober 26,
2021.�Rates subject t o change at any time.
Disclosur es
��Variable r ates subject t o change. Rates ar e based on an index of Prime
Rate plus a mar gin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00%
based on y our cr edit scor e (maximum capped at 18.00%).
� Total amount of all unsecur ed loans and lines of cr edit ma y not ex ceed
$25,000 per member .
� You ha ve 25 da ys to repay your balance for pur chases in full b y the
payment date on y our periodic billing statement. > Personal  (/personal)  > Credit Car ds (/personal/cr edit-car ds)
> Cash Back Visa� Signatur e (/personal/cr edit-car ds/cash-back-visa-signatur e)
> Cash Back Visa� Signatur e Credit Car d Details & Disclosur es
Cash Back Visa� Signatur e
Credit Car d Details &
Disclosur es
 11/2/21, 10:36 AM Cash Back V isa� Signature Credit Card Details & Disclosures | UMassFive
https://www .umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures 2/4� Method of computing the balance for Pur chases: A verage Daily Balance
(excluding new pur chases).
� Fees: 
���� o $27.00 Late F ee 
���� o $10.00 Car d Replacement  
���� o $20.00 Placed on Re voked List  
���� o $5.00 Dr aft Cop y 
���� o 3% Balance T ransf er Fee (min. $30.00)  
���� o 3% Cash Adv ance F ee (min. $10.00)  
���� o $5.00 Char geback  
���� o $27.00 Returned P ayment F ee
� The minimum monthly pa yment is 2% of the unpaid balance with a
minimum pa yment of $25. Ther e are no default r ates, limits as high as
$25,000, and 24-hour cust omer ser vice suppor t.
� Visa� Cash Back is applied aut omatically as a statement cr edit quar terly
for activ e paid accounts in good standing. Rebate is based upon net
purchases minus r eturns, which ma y result in a negativ e rebate. Cash Back
terms ar e not applicable for balance tr ansf ers and cash adv ances. See
Cardholder Agr eement disclosur e for terms & conditions.
� See Visa Signatur e Cash Back terms & conditions for summar y of co verage
for Lost L uggage Reimbursement.
Details
Our Signatur e Cash Back Visa car ds all come with a special benet package
including:
 11/2/21, 10:36 AM Cash Back V isa� Signature Credit Card Details & Disclosures | UMassFive
https://www .umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures 3/4� Lost L uggage Reimbursement  
� Signatur e Concier ge Ser vice 
� Personal Identity Theft Co verage 
� Travel Accident Insur ance
� Travel and Emer gency Assistance  
� Warranty Manager Ser vice
View benets details off ered b y Visa.
(https:/ /usa.visa.com/suppor t/consumer/car d-benets.html/)
<-- Back t o Cash Back Visa Signatur e Credit Car d (/personal/cr edit-
cards/cash-back-signatur e-visa)
Routing Number: 211880271
NMLS Number: 460131
�
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 11/2/21, 10:36 AM Cash Back V isa� Signature Credit Card Details & Disclosures | UMassFive
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