Great news! Qualified Century Federal Cash Back Visa cards have been upgraded to Visa Signature cards, featuring exciting new benefits – free of charge.
You will continue to earn the same 1.0% cash back on purchases you are accustomed to, and your interest rate structure will not change.
Your new Visa Signature card comes with a variety of new benefits – all provided at no cost to you:
- Visa Signature benefits
- Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
- Extended Warranty Protection
- Visa Concierge services
- Complete Guide to Benefits here
- 1.0% Cash Back on all purchases
- Cash Back rewards that you have earned will be displayed and managed through an online system called Cash Back Mall
- Cash back rewards are now available on demand ($5 minimum reward balance). You are not limited to a one-time annual payout in January
- Cash back rewards that you have accrued from January through October will automatically transfer into Cash Back Mall
- Access Cash Back Mall through Online Banking or by clicking here (click here for help)
- Earn additional cash back rewards with featured retailers when you shop through Cash Back Mall
- Redeem your cash back rewards in two ways:
- Account credit
- Transfer to your Century Federal checking or savings account
- You will be able to see the rewards you have earned through Online Banking, on your credit card statements/eStatements, or by using the CFCU Visa app on your smartphone.
- No annual fee
Visa Signature FAQs
When will I receive my new card?
You will automatically receive your new card by the end of October as long as you continue to meet our credit criteria. Once you receive your new card in the mail, you will have 30 days to activate it. Please be sure to activate your new card, as your old card will expire 30 days after you receive your new one.
You can activate your new card by calling 800-527-7728.
Will I need to update credit card information where I have it saved on other retailers’ website?
Yes. Although the account number on your new card will stay the same, the 3-digit CVV number on the back will change.
Will payments to my account that I have previously scheduled be made?
Any payments you have previously scheduled to be paid through October 12, 2019 will be paid. Any payments scheduled from October 13, 2019 through October 16, 2019 will not post due to system maintenance. The system will resume this functionality on October 17, 2019.
What will happen to the existing cash back rewards I have earned on the old card since the last payout in January?
Cash back rewards you’ve earned so far this year will automatically transfer to the new Cash Back Mall system. You can choose to redeem your cash back rewards as an account credit, or as a deposit directly to your Century Federal checking or savings account. You will be able to see the rewards you have earned through Online Banking, on your credit card statements/eStatements, or by using the CFCU Visa app on your smartphone.
How do I contact the Visa Signature concierge?
For restaurant reservations, gift arrangements and event tickets, call 800-953-7392.
How do I contact Visa Signature 24-Hour customer service?
For general Visa Signature benefits questions, call 866-820-3846.
Will I be able to open a new Visa Signature 1.0% Cash Back account if I close my existing account?
No. If you decide to close your existing Visa Signature 1.0% Cash Back credit card account, you will not be able to open a new one.
Cash Back Mall FAQs
When can I request the cash back that I have earned?
Anytime! Once your Cash Back reward total has accrued to a minimum of $5, you can request cash back at will. (It may take up to three business days for rewards to post.) The cash back can be redeemed as an account credit or a credit to your Century Federal checking or savings account
How can I earn the additional cash back being advertised on Cash Back Mall by a merchant?
For online offers, you need to use the link to the merchant provided in Cash Back Mall and pay with your Century Federal Visa Signature card in order to earn the additional Cash Back. Make sure to read the details of the offer before you buy. For some in-store offers, you may see an “Activate” button next to the offer. You will need to click that button prior to shopping at that merchant to earn the additional cash back reward. If you "Activate" a reward for an in-store offer, please note the expiration date. Once that date has passed, that offer will no longer be active. If no button or link is present, simply use your Century Federal Visa Signature card to make your purchase in-store.
Does the cash back reward advertised by a merchant include the 1.0% cash back that I’m earning on my Century Federal Visa Signature card?
The cash back reward advertised by a merchant in Cash Back Mall is in addition to the 1.0% that you earn from Century Federal.
Does the cash back I have earned ever expire?
Cash back rewards you have earned expire 4 years from when they were earned. Cash back rewards are displayed on your credit card statement every month.
What do I do if my card is lost or stolen?
To report a lost or stolen Century Federal VISA Card please call the following numbers:
Who do I call with additional questions about my card?
For any credit card related inquires please call Century Federal’s Member Service Center at 216-535-3200. If you have questions regarding your account outside of regular business hours, please contact the 24-hour customer service line at 866-820-3088.
Visa Signature Cash Back Disclosure