Platinum Cash Rewards Credit Card

Maximize your reward earning power with the Visa® Platinum Cash Rewards credit card from Nusenda Credit Union. Earn 1% cash back on all purchases and 5% cash back on purchases in quarterly rotating categories. Your purchases also qualify for our Earn Your Return program. Bonus: New cardholders earn 2% cash back on all purchases for the first 90 days!

With your Visa Platinum Cash Rewards credit card, you benefit from Visa’s Concierge Services, giving you 24/7 access to information and recommendations on travel and entertainment services while you’re at home or away. Plus, if you make a purchase with your card in the U.S. and see the same item advertised at a lower price within 60 days, Visa will refund the difference!

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Introducing Lobo themed Cards and Checks

Pay with Lobo pride! In partnership with the University of New Mexico, we now offer UNM-themed credit cards. Switching out your card is fast and simple – just stop by any of Nusenda’s 19 branches from Socorro to Taos or call us and we will order a card for you. Don't have one of our Nusenda credit cards? Apply today.

Visa® Cash Platinum Rewards Credit Card Benefits

  • Rates as low as 12.25% Annual Percentage Rate (APR)
  • No annual fee or balance transfer fee
  • Earn 1% cash back on all purchases, and 5% cash back on purchases in quarterly rotating categories
  • New cardholders earn 2% cash back on all purchases in the first 90 days
  • 5% APR Intro rate* for all Balance Transfers (for first 6 cycles after card opening)
  • Convenience checks
  • Visa Concierge Services offers you travel and entertainment information and recommendations, 24/7, at home or away
  • Price Protection allows you to save more with your card
  • Insurance coverage for auto rentals made with your card
  • Manage, use, and even extend warranties on eligible items purchased with your card
* Once the 5% APR Intro Rate expires, your APR will return to your normal variable rate of 12.25% - 14.25% APR.

Earn More With Everyday Purchases

During January, February, and March, members who have a Visa® Platinum Cash Rewards card will earn 5% cash back for every dollar they spend on gas and grocery purchases (up to $1,500 per quarter). Additionally, cardholders will earn 1% cash back for every dollar spent on everyday purchases.

January - March Rewards - Groceries & Gas Expenses

Online Account Information

Enjoy secure access to your credit card information, including recent transactions and credit card statements, through the Mobile Banking App or Internet Banking. You can also make online payments quickly and conveniently or set up automatic payments to ensure that you never miss one.

Verified by Visa

Protect your card against unauthorized use by registering for Verified by Visa, which uses a personal password for online purchases. This is a free service for Nusenda Credit Union members and ensures that only you are authorized to make online purchases using your Nusenda Credit Union credit card. Register here.

Convenience Checks

With your Nusenda Credit Union credit card, you’ll receive convenience checks that you can use just like regular checks, except the purchase is charged to your credit card account. Use your convenience checks to consolidate higher interest-rate accounts, send gifts, access your line of credit, or make a down payment on a car. You’ll receive your checks as soon as you sign up for a credit card, and you can request more at any time. Members in good standing may also receive credit limit increases and additional checks periodically.

To request more checks, simply call our Card Services Department at 505-889-7755 or 800-347-2838 outside the Albuquerque area.

Credit Card Calculators

Maintaining a good credit rating is important for a healthy financial future. Manage your credit responsibly and ensure you remain in good standing by using our convenient Credit Card Calculators. Determine how long it will take you to pay off your credit card, calculate payments, find out if you have too much debt, and explore other important information.


You can use any of your Nusenda Credit Union Visa debit and credit cards with Apple Pay™, Samsung Pay or Android Pay!

Cash Rewards Credit Cards

Purchase APR*


Introductory rewards

Annual fee

Balance transfer fee

Cash advance fee

Late fee


Cash Rewards

12.25 - 14.25%

1% cash back on all purchases, no limit

5% cash back on purchases in rotating categories

2% on all purchases, first 90 days



$1 or 1%, not more than $20


Wells Fargo
Cash Back Visa

12.65 - 26.49%

Earn 1.5% cash rewards on  everyday net purchases

5% cash rewards on specific items, 6 months


$5 or 3%

$10 or 5%


Bank of America
BankAmericard Cash Rewards

13.49 - 23.49%

1% cash back on every purchase, 2% at grocery stores and wholesale clubs, 3% on gas

Bonus for redeeming cash back into a Bank of America checking or savings account


$10 or 3%

$10 or 3%


Bank of Albuquerque
Cash Rewards American Express

12.49 - 23.49%

 2% cash back on grocery purchases

 1% cash back on all other purchases

3% cash back on gas on the first $6,000 in annual fuel spend

$25 cash back after first purchase


$5 or 3%

$10 or 4%


Bank of the West
Platinum Rewards MasterCard

16.49 - 23.49%

1 point for every $1 in qualifying purchases


$5 or 3%

$10 or 4%


*Rates and fees as of 3.20.2017 and are subject to change.


You’ve come to the right place to get the information you need to manage your credit card day to day.


Rewarding those we serve.

Nusenda Credit Union. The Power of WE®.

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Federally Insured By NCUA

Access your account when you are away from home, thanks to the Credit Union Shared Branching Network or CO-OP network of nearly 30,000 ATMs

Easy online access to your account through online banking and the Mobile App