Cash Back Rewards Credit Card
A simple, low-rate card that earns cash back on everyday spending.
The Meridian Trust Cash Back Credit Card gives you the best mix of low fixed rates, no annual fees, and cash back you can actually use. From everyday purchases to bigger needs, it is a straightforward tool that helps you spend confidently and manage your money with ease.
A credit card that keeps things clear and convenient.
Cash Back Credit Card
One great card with everything you need.
- No annual fee
- A lower interest rate than most cards elsewhere
- No balance transfer fee
- Cash Back
- Worldwide acceptance
- Local service
MyMeridian Cash Back
Earn cash back on every purchase and redeem it to your account directly. No confusing categories. No hoops to jump through.
Cash Back on Every Dollar Spent – Review your cash back balance and redeem it when it works for you. The more you use your card, the more cash back you can earn.
Fraud Protection & Security
Your peace of mind matters.
- Real-time fraud alerts
- 24/7 card monitoring
- Zero liability for unauthorized charges
- Immediate support for lost or stolen cards
All our credit cards feature EMV chip technology, which improves security and fraud protection for you. This technology secures payment cards around the world, and is the card standard in the United States. You still may be required to enter your card’s PIN or sign for transactions. Your card will also work on payment terminals that require a swipe of the magnetic strip.
Easy Management
Track spending, view you cash back, and deposit cash back you earn directly into your Meridian Trust account through Online and Mobile Banking. Everything in one place, whenever you need it.
Current Rates
Credit Card | APR* |
|---|---|
Credit Card Visa Rewards | APR* 11.75% |
*APR=Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. Rates above are effective as of January 1, 2026. Age 18 or older, membership and credit qualification required.
Fee Type | Fee Details |
|---|---|
Fee Type Annual Fee | Fee Details None |
Fee Type Foreign Transaction Fee | Fee Details 1.00% of each transaction in U.S. Dollars |
Fee Type Cash Advance Fee* | Fee Details 3.00% of transaction amount |
Fee Type Late payment penalty fee | Fee Details $25 if you are more than 10 days late |
Fee Type Returned payment penalty fee | Fee Details $25 |
*Cash Advance Fee of 3.00% of transaction amount is effective on November 6, 2023.
Interest charges: Our credit cards have no penalty APR and no minimum interest charges. To avoid paying interest on purchases, pay your entire balance by the due date each month. Your due date is at least 28 days after the close of each billing cycle.
Credit Cards + Support FAQs
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We can walk you through your options and help you find the best fit for your goals.
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DISCLOSURES: *Earn cash back on Meridian Trust Visa Rewards Credit Card only. Cash back is only earned on valid purchases, which will be credited to your rewards account. Cash back can be redeemed once a minimum of $25.00 is accumulated. Cash back is not earned on cash advances or balance transfers. Cash back rewards will be deducted for returns. Eligible cardholders will receive a one-time match of cash back earned during 2/1/2026-3/31/2026., up to a maximum match of $500. Cash back can be a credit to your credit card statement balance or a deposit to your Meridian Trust savings or checking account via the online or mobile banking platform. Age 18 or older, membership and credit qualification are required. Insured by NCUA.