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Better Rewards
A rewards card is a great way to earn points, redeemable for multiple reward options. Apply now to start earning cash back for all your most common purchases, all redeemable for cash, gift cards or travel.
The Credit Card That Pays You Back.
Earn rewards on every purchase.
With the Better Rewards Visa® Card, you'll earn:
-
3% Cash Back During Black Friday Week
(November 27 - December 3, 2026) -
2% on Gas, Groceries, and Wholesale Clubs
-
1% on All Other Purchases.
That's right. You'll earn up to 3% Cash Back!
There's no need to activate this offer – you automatically earn cash back when you use your Levo Better Rewards Visa® card. Then, redeem your rewards for cash, gift cards, or travel.
NO ANNUAL FEE
NO BALANCE TRANSFER FEE
NO CASH ADVANCE FEES
NO OVER-CREDIT-LIMIT FEE
Ready to earn cash back on your purchases?
Have Credit Card Rewards Questions? We'll break it down.
To help you understand rewards and get the most from them, here are answers to some of the questions we hear most.
EARN IT.
How your everyday spending adds up.
You earn 2% cash back on purchases at gas stations, grocery stores, and wholesale clubs, and 1% cash back on all other eligible purchases. During Black Friday Week*, you can earn 3% cash back on all purchases.
*Reference Black Friday dates on the Better Rewards page.
Yes. Balance transfers, cash advances, convenience checks, fees, interest charges, and other excluded transactions don't earn cash back. Returned purchases can also affect your rewards balance.
Yes. When you return a purchase, the cash back earned on the returned amount is deducted from your rewards balance.
💰 USE IT.
Turn your rewards into something you actually want
Sign in to Levo Online Banking, select Card Management, then Card Rewards. You'll be redirected to the rewards site, where you can explore your redemption options.
On the rewards site, select the Redeem tab, then choose Cash Rewards. You can then deposit your rewards into your Levo checking or savings account.
There's a wide selection of gift cards to choose from, including popular retailers like Amazon, Walmart, and Target, as well as coffee shops, gas stations, restaurants, clothing stores, movie theaters, and entertainment options. Availability may vary.
Yes! You can redeem your rewards for eligible travel, including flights, hotel stays, and vehicle rentals.
Yes. You'll need 2,500 points to redeem $25 as a cash deposit or 2,455 points to redeem a $25 gift card.
👊🏻 KNOW IT.
The details worth knowing before you swipe.
There's no annual fee, balance transfer fee, or cash advance fee. A 1% international transaction fee applies to eligible foreign transactions.
No. There's no limit to the cash back you can earn on eligible purchases. You earn 2% cash back at gas stations, grocery stores, and wholesale clubs, and 1% on all other eligible purchases. During Black Friday Week, you can earn 3% cash back on all purchases.
Any unredeemed rewards will be forfeited when your account is closed. Be sure to redeem your rewards before closing your account.
You can start your application online at levo.org/credit-card by selecting Apply Now. You can also call us or contact your favorite Levo Member Service Officer to get started.
Yes. Reward points expire four years after the month in which they're earned, so be sure to redeem them before they expire.
- Visa's Zero Liability Fraud Protection
- Chip-Card Security for In-Store Purchases
- Contactless/Tap Card
| Type | Available Rewards | How To Redeem | Who To Call |
|---|---|---|---|
| TRAVEL | Airline Tickets | ||
| GIFT CARDS | Restaurant, gas, major retailers | In the Levo Online Banking platform, 24/7 | 855-854-5493, 8 a.m. - 8 p.m., CST |
| CASH BACK | Escalating tiers based on points accumulated |
*Earn 2% with your Rewards Visa® credit card on gas, groceries and wholesale club purchases and 1% on all other purchases all year. Earn 3% on all purchases during Black Friday Week (Friday, November 27 - Thursday, December 3, 2026). We do not determine how merchants are classified, but they are generally classified based upon the merchant’s primary line of business. We reserve the right to determine which purchases qualify for this offer. Eligible purchases exclude balance transfers, cash advances, convenience checks, items returned for credit, fees and interest charges. In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another product, you may no longer be eligible. We reserve the right to change or cancel this program at any time for any reason without prior notice. Visa® credit cards are issued by Levo Credit Union®, Member NCUA. Pursuant to a license by Visa U.S.A. Inc.
Ready to earn rewards?