Savvy Spending: Use Cash Back Visa Signature® for Holiday Shopping

U.S. consumers plan to spend an average of $1,430 on entertainment, travel and gifts this winter holiday season, according to the PwC (PricewaterhouseCoopers) Holiday Outlook 2022. 

Using a Cash Back Visa Signature Card from Georgia United Credit Union for holiday shopping is a savvy way to handle these out-of-the-ordinary purchases while earning cash back with every transaction.

Here’s how it works: When using the Cash Back Visa Signature Card, members earn 1.5% cash back* on all purchases, with the cash automatically deposited into their Georgia United savings account each month. That means if you use the card to purchase a new internet-connected stationary exercise bicycle for your significant other for $1,000, you’d earn $15 back in cash. That may not seem like a lot, but it adds up, especially considering higher prices consumers expect to see during this holiday season due to inflation. 

“By using Georgia United’s Cash Back Visa Signature Card, members can actually earn money back for what they spend to help make their funds stretch a bit further,” said Katie Kosmala, Georgia United’s director of electronic solutions. 

And it gets better. 

While some cash back credit cards have stipulations dictating which stores and vendors these rewards can be earned through and the types of items and purchase that qualify, the Cash Back Visa Signature does not have these limitations. You earn money back on every purchase. 

There are a variety of other rewards, including access to the Visa Luxury Hotel Collection ,the Visa Signature Concierge (which can help you book vacations), ground transportation, dinner reservations and even tickets, and a variety of perks, offers and discounts. 

The Cash Back Visa Signature Card also features zero liability for fraudulent purchases, which is a nice safety net as cyber thieves typically target holiday shoppers.  “As with any time of the year, cardholders are protected throughout the holiday season with Visa’s Zero Liability Policy. This means that our members are not responsible for unauthorized charges made to their account. They are protected if their card is lost, stolen, or fraudulently used online or in person,” said Kosmala. 

If you are traveling for the holidays, the Cash Back Visa Signature Card also offers Travel and Emergency Assistance Services, which includes things such as emergency messaging service, lost luggage locator service, and document delivery arrangements for transporting critical forms or records you may have accidentally left at home.

If you’re a Georgia United member and haven’t applied for a Cash Back Visa Signature yet, what are you waiting for? 

There are four ways to apply for a cash back card: Online, schedule an appointment, call 888.493.4328 or visit a Georgia United branch. 

*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically deposited into your Savings (Share) Account each month.