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Rotary International Cash Rewards Visa Signature® credit card review

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A no-annual-fee charity card with cashback rewards.

  • Get this card if you want to earn cash back and support a cause.
  • Pick something else if you want to earn a higher cashback rate.
  • Apply with a good to excellent credit score 670 or higher.

$200

Welcome offer

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 15 months (then 15.49% to 25.49% variable)

Details

Product NameRotary International Cash Rewards Visa Signature® credit card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 15 months (then 15.49% to 25.49% variable)
Balance transfer APR0% intro for the first 15 months (then 15.49% to 25.49% variable)
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate18.49% to 28.49% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Penalty APRUp to 29.99% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $29

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Rotary International Cash Rewards Visa Signature® credit card has a $0 annual fee and a cashback program where you earn 3% back on a category you choose — gas, online shopping, dining, travel, drug stores, home improvement and furnishings — and 2% back at grocery stores and wholesale clubs. However, you are capped at $2,500 in combined purchases in the 2% and 3% categories each quarter. After that and on all other purchases, you’ll earn 1%.

Also, you get to earn a signup bonus of $200 and you get 15 months of 0% intro APR period on balance transfers and purchases. If all this sounds familiar, it’s because this card is issued by Bank of America and the card’s features are exactly the same as the Bank of America® Cash Rewards credit card.

How to apply for the Rotary International Cash Rewards Visa Signature® credit card

  1. Visit the Rotary website and click the menu at the top left.
  2. Find the credit card under Member center and then Products and services.
  3. Click Special offers and find the Rotary credit card program.
  4. Click Apply.
  5. Fill out the application form.
  6. Review the form and submit.

What credit score do I need?

You have better chances of approval with a good credit score of 670 or higher.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Bottom line

The Rotary International Cash Rewards Visa Signature® credit card is the same card as the Bank of America® Cash Rewards credit card and its derivatives, but with one difference — a portion of your purchases go to the Rotary Foundation with no cost additional to you.

However, if you don’t think the Rotary Foundation is where you want to donate, compare other charity cards until you find the right one for you.

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