VISA® INSPIRE CASH BACK SIGNATURE CREDIT CARD
Earn up to 3% cash back1skip to disclosure with no annual fee
Plus, earn up to $5002 skip to disclosure,3 skip to disclosure in bonuses your first year.
3%
Cash back on travel
airfare, hotels, travel agencies, and more
3%
Cash back on dining and entertainment
restaurants, takeout, bars, live performances, sports, and more
2%
Cash back at grocery stores and bookstores
supermarkets, wholesale clubs, and the largest online retailer
1%
Cash back on everything else
get rewarded with every purchase
Calculate your cash back.
See how much you could earn in a year with the Inspire Cash Back Signature Card.
| Yearly Spend | ||||
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3% |
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| Restaurants |
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Grocery, Wholesale & Bookstores (including the largest online retailer) |
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| Everything Else |
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in cash back
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Earn up to $5002, skip to disclosure3skip to disclosure in bonuses your first year.
The Inspire Cash Back Signature Card rewards you for doing more of what you love.
$250 Welcome Bonus2skip to disclosure
Spend $5,000 within the first 90 days.
$250 Anniversary Bonus3skip to disclosure
Every year when you spend at least $50,000.
No Annual Fee
Never pay an annual fee with Inspire.
Exclusive Visa Signature card benefits
As a Visa® Signature cardholder, you'll enjoy access to premium rewards, experiences, and security protection including:
Interest rates and fees summary
| Purchase APR | Balance Transfer APR | Annual Fee | Bonus |
|---|---|---|---|
| 11.49% to 20.49%4 skip to disclosure variable | 11.49% to 20.49%4 skip to disclosure variable | None | $250 Welcome2 skip to disclosure $250 Anniversary3 skip to disclosure |
Other cards that may interest you.
Whether you're looking to build credit, earn points, or transfer balances, we have a credit card that fits your needs.
VISA PLATINUM REWARDS
- Earn unlimited Choice Rewards Points that never expire.
- 2 Points on gas purchases and at restaurants
- 5 Points for charitable donations
- 1 Point for everything else
- 0% intro APR for 12 months on purchases made within the first 90 days. Then, a variable APR, 12.50% to 20.50%.
- No annual fee
VISA PLATINUM ADVANTAGE
- Perfect if you want a low rate and flexibility on balance transfers.
- 0% intro APR for 12 months on purchases made within the first 90 days. Then, a variable APR, 10.50% to 18.50%
- 0% intro APR for 12 months on balances transferred within the first 90 days with a 3% balance transfer fee. Then, a variable APR, 10.50% to 18.50%.
- No annual fee
VISA PLATINUM
- Perfect if you want a basic card to establish or rebuild your credit.
- Initial line of credit as low as $500
- No annual fee
Get help with Inspire.
Inspire Cash Back Cardholders have a generous 2 years before Cash Back expires. Please refer to your credit card statement to learn the year and the amount Cash Back will expire.
You will receive a $250 Welcome Bonus as a statement credit when you spend $5,000 on your Inspire Cash Back Signature Card within the first 90 days of opening. The credit will appear on the next statement after the $5,000 threshold has been met. Current Platinum Rewards Cardholders who are upgrading to the Inspire Cash Back Signature Card are not eligible for this bonus.
You will receive a $250 Anniversary Bonus every year you spend $50,000 or more on your Inspire Cash Back Signature Card. The bonus will appear in your “Earned Cash Back” on the 27th of your anniversary month, regardless of when the $50,000 threshold is met. All Inspire Cash Back Signature Cardholders are eligible.
There are annual cash back limits for the 3% and 2% categories, but there is no threshold for 1% cash back. So, even if you’ve reached the spend limit in a particular category, you will still earn 1% cash back on those purchases. The following thresholds are reset every year on your card’s anniversary date:
- 3% cash back on travel and entertainment purchases (up to $10,000 annual spend)
- 3% cash back at restaurants (up to $6,000 annual spend)
- 2% cash back at grocery stores, supermarkets and wholesales clubs (up to $6,000 annual spend)
- 2% cash back at bookstores (up to $6,000 annual spend)
- 1% cash back on everything else(with no maximum spend)
Cash back will be deposited into your checking or savings account approximately 4-7 days after redemption. For statement credits, cash back will appear on your next monthly statement (the 27th of each month).
To view your cash back balance, simply log into Online Banking and select your Inspire Cash Back Signature Card. Your cash back will be updated every statement period. To redeem your cash back, select Redeem. You can redeem cash back as a statement credit or deposit to a DuPage Credit Union checking or savings account.
Life is more rewarding with Inspire.
Inspire Cash Back Signature reviews
I was very put off when applying for a card that they require multiple references to get a card. Sorry, after pulling a credit report and asking how long I have lived here (30 years at the same address and they still need references. For what - who knows - they said it's a requirement. If my credit report says I am not a credit risk and that I pay my bills in full every month, I don't see the point. When asked, they can't explain why either which shows poor training of staff in my book and let call it for what it is - Horse Hockey for needing this.
I hope they take better care of the papers they print out. Your Social Security number is on every sheet. Identity theft must be a foreign topic to them.
We appreciate your feedback and will use this information as a training opportunity. Safety and security of our members information is top priority at DuPage Credit Union. We apologize for the inconvenience and will work to improve this experience in the future.
The customer service has been great but I can not stand the fact my info was sold for auto insurance and life insurance marketing. I constantly am getting emails for insurance now and I am beyond angry.
Thank you for bringing this to our attention. As consumers we understand how frustrating it can be to receive excess emails. We will take this opportunity to review our frequencies and ensure we are effectively communicating with members.. Rest assured the Credit Union limits the release of information and we do not share members' email addresses with outside companies.
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Cash back is earned in net dollars on qualifying credit card purchases from participating merchants. $25 minimum balance earned is required to redeem cash back.
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Inspire Cash Back Signature accounts earn up to 3% cash back for every dollar spent on qualifying dining, travel & entertainment purchases from participating merchants.
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A $250 Welcome Bonus statement credit will be applied once net spend of $5,000 is achieved within the first 90 days of account opening. Current Platinum Rewards Cardholders who upgrade to the Inspire Cash Back Signature Card are not eligible for this bonus.
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A $250 Anniversary Bonus will be applied to your ‘Earned Cash Back’ each year you spend $50,000 or more on your Inspire Cash Back Signature Card. The bonus will be paid on the 27th of the anniversary month, regardless of when the threshold is met.
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Annual Percentage Rate (APR). Variable rates as low as 11.49% to 20.49% APR. The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Refer to Truth-In-Lending Terms and Conditions Disclosures and Current Fees and Charges for details.
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