In honor of our 70th anniversary, all new and current Inspire Cash Back cardholders can earn 7% cash back*skip to disclosure on gas and EV charging now through October—no activation required!
inspire cash back
The premier cash back card with no annual fee5skip to disclosure
The Inspire Cash Back Signature card is the premier credit card for travel, dining, and entertainment. With a $200 Welcome Bonus1skip to disclosure, no annual fee, and cash back on every purchase, it’s the perfect card for both the everyday and the extraordinary.
Credit Level Guidelines
Which of these 4 best describes you?
These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility.
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
Earn a $200 Welcome Bonus1skip to disclosure
when you spend $2,500 in your first 90 days.
Low intro APR on purchases for 12 months
0% intro APR2skip to disclosure for 12 months on purchases made within the first 90 days. Then, a variable 16.24% to 24.24% APR.
Inspire Cash Back Benefits
Bonus cash back promotions
Receive exclusive opt-in only opportunities to earn additional cash back.
Visa Zero Liability
You won't be held responsible for unauthorized charges if your card is lost, stolen, or fraudulently used.
Learn more ›
No foreign transaction fee
You won’t pay a transaction fee when making a purchase outside of the United States.
Digital wallet ready
Add your card to Apple Pay®, Google Wallet™, and Samsung Pay.
Learn more ›
Contactless payments
Just tap and go for secure, contactless in-store payments.
Learn more ›
Security alerts
Get notified via text, email, and phone if we notice potential fraudulent transactions.
Earn up to 3% cash back and a $200 Welcome Bonus1skip to disclosure
Designed for everyday spending, travel, dining, and entertainment, Inspire Cash Back earns cash back on every purchase with no annual fee.
Bundle to earn even more.
Earn up to 5.12% APY4skip to disclosure, when you bundle Inspire with a High-Yield Checking account.
Frequently asked questions
Inspire Cash Back Cardholders have a generous 4 years before Cash Back expires. Please refer to your credit card statement to learn the year and the amount of Cash Back that will expire.
What is the Welcome Bonus for the Inspire card? Am I eligible for it? Dropdown, press enter to open.
You will receive a $200 Welcome Bonus* as a statement credit when you spend $2,500 on your DuPage Inspire® Cash Back Signature credit card within the first 90 days of opening. The credit will appear on the next statement after the $2,500 threshold has been met. Current DuPage Imagine Rewards® credit cardholders who are upgrading to the Inspire card are not eligible for this bonus.
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 the 27th of the month that you opened your card:
- 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)
Whether you choose to receive cash back or a statement credit, your redemption will appear in approximately 4-7 days.
To view your cash back balance, simply log into Digital Banking, navigate to Manage Cards > My Cards, and select your Inspire card. Click “Inspire Cardholders: Redeem Cash Back” and follow the prompts provided.
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Annual Percentage Rate (APR). Variable rates as low as 16.24% to 24.24% 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 for details. No annual fee, balance transfer fees (unless in a 0% intro offer, then $5 or 3%, whichever is greater) or foreign transaction fees. Cash advances have a fee of either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
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Cash back is earned in net dollars on qualifying credit card purchases from participating merchants. $5 minimum balance earned is required to redeem cash back online. Must have a Credit Union membership established and be in good standing. Other restrictions may apply. Refer to dupagecu.com/inspire for details.
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Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
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Google Wallet is a trademark of Google LLC.
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Samsung Pay is only compatible with supported cards, carriers, and Samsung devices. See Samsung.com/pay for compatibility.
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The Contactless Indicator mark, consisting of four graduating arcs, and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.
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Eligible DuPage Inspire® Cash Back Signature cards can earn an additional 6% promotional cash back bonus (7% total cash back) on qualifying purchases made at select gas and electric vehicle (EV) charging merchants from 8/1/2026 – 10/31/2026. Bonus cash back is limited to an aggregate of $1,000 in net purchases, with a maximum aggregate bonus of $60 per eligible credit card for the entire promotional period. Transactions must post to the account by 10/31/2026 to be eligible. Bonus cash back will be credited monthly along with standard cash back rewards. Merchant eligibility is determined by merchant classification; some purchases may not qualify. DuPage Credit Union cannot guarantee that purchases made with a specific merchant will qualify for this promotion. Exceptions will not be made. This promotion excludes balance transfers, cash advances, person-to-person payments, fees, and other non-purchase transactions. The total amount spent may not exceed available credit limit and your credit card must be paid up to date and not delinquent. Must have a Credit Union membership established and be in good standing. Some restrictions may apply. Additional terms and conditions may apply.
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A $200 Welcome Bonus statement credit will be applied once net spend of $2,500 is achieved within the first 90 days of account opening. Current DuPage Imagine Rewards® credit cardholders who upgrade to the Inspire Cash Back Signature card are not eligible for this bonus. Must have a credit union membership established and be in good standing.
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0% Introductory APR for 12 billing cycles from the date of account opening on qualifying purchases posted within the first 90 days of account opening. After that, your APR will be 16.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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Inspire Cash Back Signature accounts earn up to 3% cash back for every net dollar spent on qualifying dining, travel & entertainment purchases from participating merchants. $5 minimum balance earned is required to redeem cash back online. Must have a Credit Union membership established and be in good standing. Other restrictions may apply. Refer to dupagecu.com/inspire for details.
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High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 5.12% APY on checking balances up to a maximum of $15,000. Balances above $15,000 will be paid the stated Membership Savings Rate. See current rates. APY is accurate as of the last dividend declaration date. Checking dividends may change after the account is opened and is subject to change on a monthly basis. To qualify for the higher APY, you must meet the following requirements; otherwise, the APY will be paid at the stated Membership Savings rate on the entire balance of the account: be enrolled to receive eStatements; and spend a minimum of $1,200 during the previous billing cycle with a DuPage Credit Union Visa® Credit Card on qualifying purchases (net spend for the previous statement cycle). ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may not be eligible for the higher APY. In addition, purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible for the higher APY. No minimum balance requirements apply to this account. No monthly maintenance fee. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.
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Annual Percentage Rate (APR). Variable rates as low as 16.24% to 24.24% 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 for details. No annual fee, balance transfer fees (unless in a 0% intro offer, then $5 or 3%, whichever is greater) or foreign transaction fees. Cash advances have a fee of either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
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