| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
1.5% cash back on all qualifying purchases; non-purchase transactions such as cash advances and balance transfers are not eligible; cash back is automatically deposited to the primary savings account each quarter (January 1, April 1, July 1, and October 1).
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Card Manager Mobile App Controls
Cardholders can use the Mountain America mobile app to freeze and unfreeze their card, change PINs, and set travel notifications.
|
Financial | Complimentary |
|
Free FICO Credit Score Access
Cardholders receive free access to their FICO credit score through their Mountain America online banking or mobile app account.
|
Financial | Complimentary |
|
No Annual Fee
The Mountain America Visa Cash Back Credit Card carries no annual fee for cardholders.
|
Financial | $0 Annual Fee |
|
No Balance Transfer Fee
Mountain America does not charge a fee for balance transfers to the Visa Cash Back Credit Card.
|
Financial | $0 Balance Transfer Fee |
|
1.5% Cash Back on All Purchases
Cardholders earn 1.5% cash back on all qualifying purchases with no category restrictions or caps; non-purchase transactions such as cash advances and balance transfers are excluded.
|
Rewards | 1.5% cash back |
|
Automatic Quarterly Cash Back Deposit
The full cash back amount earned is automatically deposited to the cardholder's primary Mountain America savings account each quarter on January 1, April 1, July 1, and October 1, with no redemption action required.
|
Rewards | Automatic quarterly payout |
|
Emergency Card Replacement
Visa provides emergency card replacement if a cardholder's card is lost or stolen while traveling, including internationally.
|
Security | Complimentary |
|
Emergency Cash Disbursement
Visa provides emergency cash disbursement when a cardholder's card is lost or stolen and they need immediate access to funds while traveling.
|
Security | Complimentary |
|
Visa Zero Liability Policy
Cardholders are not held responsible for unauthorized purchases made with their card, provided the unauthorized use is promptly reported.
|
Security | Complimentary |
