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About Our Ratings
Credit Needed
Excellent

The Workmen's Circle Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
The Workmen's Circle Visa® Card
Cashback on Gas
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
13.99% to 17.99% (variable) based on your creditworthiness 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

The Workmen's Circle Visa® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
13.99% to 17.99% (variable) based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74% to 14.74% (see Notes)
 10.74%, 14.74% or 21.74% (see Notes)
 21.74% (see Notes)
APR:
  13.99% to 17.99% (variable) based on your creditworthiness
 13.99% to 17.99% (based on your credit worthiness) if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance Transfer is treated as a Cash Advance
 24.99% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
 N/A
Intro Period:
 None
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% of the U. S. dollar amount of each Cash Advance or Purchase
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% of the amount of the Balance Transfer, with a $15 minimum and no maximum  


Notes:

Rebate Description:
 A percentage of every purchase made on your Workmen's Circle credit card goes back to Workmen's Circle. Continue to build progressive Jewish identity through education, social justice, and Jewish/Yiddish culture.
Special Notes:
 APR Note: Rates reflected above are per the UMB website as of 1/26/2016, and are based upon a Prime Rate of 3.25%. Contact UMB to see if the rate has adjusted since that date. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 UMB Bank
General Correspondence Address:
 4900 Main Street
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good