Unlimited Cash Rewards Credit Card

Unlimited 1.5% Cash Back — No Category Tracking Required

Every purchase earns 1.5% cash back — automatically, on everything, every day. No rotating categories to activate. No spending caps. No annual fee. Just simple, dependable cash back on every dollar you spend.

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1.5%

Unlimited cash back on every purchase

Annual fee — free forever

$200

Cash rewards bonus after $1K spend in 90 days

Intro APR for 15 billing cycles on purchases

Card Features

Six Reasons the Unlimited Cash Rewards Card Is the Simplest Choice

Designed for cardholders who want maximum simplicity without sacrificing value. No mental overhead, no activation calendars, no quarterly categories — just a reliable 1.5% on everything and powerful introductory benefits.

Truly Unlimited 1.5% — No Caps, No Exclusions

Unlike some flat-rate cards that cap earnings at a certain spend threshold, the Unlimited Cash Rewards card earns 1.5% on every single dollar with absolutely no cap. Spend $500 or $50,000 — the rate never drops. Groceries, utilities, subscriptions, medical bills, travel — it all earns 1.5%.

No Rotating Categories — Ever

Some cash back cards require quarterly category activation to earn bonus rates. Not this one. There are no rotating categories, no activation requirements, no quarterly changes, and no chance of accidentally missing a bonus. Your 1.5% is automatic and consistent — every purchase, every month, all year long.

0% Intro APR for 15 Billing Cycles on Purchases

New cardholders receive a 0% introductory APR on purchases for the first 15 billing cycles after account opening — roughly 15 months. Finance a large purchase, spread out home improvement costs, or manage a planned expense interest-free. After the intro period, the variable APR of 19.24%–29.24% applies.

Preferred Rewards Bonus — Up to 75% More Cash Back

Federal Crown Bank Preferred Rewards members automatically earn more on every purchase. Gold tier (25% bonus): 1.875% on everything. Platinum (50%): 2.25% on everything. Platinum Honors (75%): 2.625% on everything. That's a genuine flat rate exceeding most premium travel cards — with no annual fee and no categories.

Contactless Payments & Digital Wallets

Tap to pay at millions of contactless-enabled terminals. The Unlimited Cash Rewards card works seamlessly with Apple Pay, Google Pay, and Samsung Pay. Add it to your digital wallet and leave the physical card at home — still earns full 1.5% cash back on every tap, tap, and click.

$0 Liability — Zero Fraud Responsibility

You will never be held responsible for unauthorized transactions. Federal Crown Bank monitors your account 24/7 for suspicious activity. If fraud is detected, we'll notify you instantly and cover any unauthorized charges completely. Your cash rewards balance is also protected — you won't lose earned rewards to fraud.

Introductory APR

Your 0% Intro APR Period — What You Need to Know

The 15-billing-cycle 0% introductory period gives you over a year to make large purchases and pay them off without interest. Understanding the timeline and terms ensures you get maximum benefit.

Day 1

Account opens. 0% intro APR begins immediately on all new purchases.

Months 1–15

0% APR on all purchases. Make minimum payments. No interest accrues on balances.

End of Month 15

Pay off any remaining balance in full before your 16th billing cycle statement closes to avoid interest.

Month 16+

Variable APR of 19.24%–29.24% applies to any remaining and new balances.

Important 0% APR Terms

You must make at least the minimum monthly payment to maintain the 0% rate
A late payment may result in the promotional rate being revoked — the Penalty APR (up to 29.99%) could apply
The 0% intro APR applies to purchases only — cash advances are not eligible
Balance transfers also have a 0% intro APR for 15 billing cycles (3% transfer fee applies)
After the intro period, the variable APR applies to any unpaid balance — interest accrues from the statement date
"Billing cycle" is approximately one month; 15 cycles ≈ 15 months from account opening

How Much Can You Earn?

Annual Cash Back at Different Spending Levels & Preferred Rewards Tiers

The table below shows how much cash back you'd earn annually at common monthly spending levels and across Preferred Rewards tiers. Figures do not include the $200 sign-up bonus, which adds instant year-one value.

Monthly Spend	Annual Spend	Standard (1.5%)	Gold (1.875%)	Platinum (2.25%)	Plat. Honors (2.625%)
$500/month	$6,000	$90	$113	$135	$158
$1,000/month	$12,000	$180	$225	$270	$315
$1,500/month	$18,000	$270	$338	$405	$473
$2,000/month	$24,000	$360	$450	$540	$630
$3,000/month	$36,000	$540	$675	$810	$945
$5,000/month	$60,000	$900	$1,125	$1,350	$1,575

Estimates assume all spend earns cash back at the stated rate. Actual earnings may vary. Preferred Rewards bonus rates: Gold = +25%, Platinum = +50%, Platinum Honors = +75%. Annual fee is $0 for this card. $200 sign-up bonus not included in table figures.

Which Card Is Right for You?

Unlimited Cash Rewards vs. Cash Rewards — When Flat Rate Wins

Both cards earn cash back with no annual fee. But they're designed for different spenders. Here's how to decide which is the better fit for your lifestyle.

Unlimited Cash Rewards

Best for: Consistent, simple earners

Earn the same 1.5% on every purchase — no thinking required
0% intro APR on purchases — ideal for financing a large purchase
Spending is varied, with no single category dominating
You prefer not to manage category selections monthly
You want maximum simplicity with a single card
Great backup card for spending outside another card's bonus category

Example: $2,000/month in varied spending (groceries, utilities, gas, dining, Amazon) earns $360/year — automatically.

Cash Rewards Card

Best for: Heavy spenders in one category

Earn 3% in your chosen category (within $2,500/quarter cap)
Earn 2% at grocery stores and wholesale clubs
You concentrate spending in one area: dining, gas, online shopping, etc.
Willing to manage a monthly category selection
You spend heavily at grocery stores and wholesale clubs
No intro 0% APR on purchases — not a financing card

Example: $1,000/month mostly at grocery stores earns $240/year at 2% — vs. $180 with Unlimited. Cash Rewards wins for grocery-heavy spenders.

Bottom Line

If more than 50% of your monthly spending is in a single category that the Cash Rewards card covers at 3%, that card likely wins. If your spending is spread across many categories — or if you want a simple set-and-forget card or the 0% intro APR — the Unlimited Cash Rewards card is the stronger choice. Many FCB customers carry both: Cash Rewards for the high-earning category, Unlimited Cash Rewards for everything else.

Card Terms & Fees

Full Rate and Fee Disclosure

Variable APRs are based on the U.S. Prime Rate. The exact rate you receive is determined at account opening based on your creditworthiness.

Annual Fee	$0 — No annual fee
Intro APR — Purchases	0% for 15 billing cycles from account opening
Intro APR — Balance Transfers	0% for 15 billing cycles from account opening
Purchase APR (after intro)	19.24% – 29.24% Variable
Balance Transfer APR (after)	19.24% – 29.24% Variable
Balance Transfer Fee	3% of each transaction, $10 minimum
Cash Advance APR	29.49% Variable (no intro rate)
Cash Advance Fee	5% of each transaction, $10 minimum
Foreign Transaction Fee	3% of each transaction in U.S. dollars
Late Payment Fee	Up to $40
Returned Payment Fee	Up to $29
Penalty APR	Up to 29.99% — may apply if you make a late payment
Minimum Interest Charge	$1.50
Grace Period	At least 25 days when you pay full balance monthly
Rewards Expiration	Cash rewards never expire while account is open and in good standing
Redemption Minimum	$25 for all redemption types
Recommended Credit Score	Good to Excellent (670–850 FICO)

Frequently Asked Questions

Unlimited Cash Rewards — Your Questions Answered

Is the 1.5% cash back truly unlimited with no spending cap?

Yes — it is genuinely unlimited. The Federal Crown Bank Unlimited Cash Rewards card earns 1.5% cash back on every purchase, with no quarterly or annual spending cap on the 1.5% earning rate. Some competing flat-rate cards apply a cap (e.g., 1.5% up to $500/month, then drop to 1%) — this card does not. Whether you spend $1,000 or $100,000 per year, every dollar earns 1.5%. For Preferred Rewards members, the same limitless structure applies at the enhanced rates (1.875%–2.625%).

Can I get both the 0% intro APR and the $200 cash bonus on the same account?

Yes. New cardholders are eligible for both offers simultaneously. The $200 online cash rewards bonus is earned after making at least $1,000 in purchases within the first 90 days of account opening. Separately, the 0% introductory APR applies to all purchases and qualifying balance transfers made during the first 15 billing cycles. Both offers are available to eligible new cardholders who haven't held a Federal Crown Bank credit card in the past 24 months and meet the credit requirements. Terms may vary; confirm at time of application.

How does the Preferred Rewards bonus work on this card specifically?

The Preferred Rewards bonus multiplies your base 1.5% cash back rate. Gold tier members (3-month average balance $20K+) earn a 25% bonus, turning 1.5% into 1.875%. Platinum ($50K+) earns 50% more, giving you 2.25% on every purchase. Platinum Honors ($100K+) earns 75% more — that's 2.625% on everything, with no caps and no categories. These rates are among the highest available on any no-annual-fee flat-rate card in the U.S. market. The bonus applies automatically; no enrollment is required beyond your Preferred Rewards membership.

Does the 0% intro APR apply to balance transfers as well as purchases?

Yes. The 0% introductory APR applies to both purchases and qualifying balance transfers made within the first 60 days of account opening, for 15 billing cycles. A balance transfer fee of 3% (minimum $10) applies to each transferred balance. After the 15-billing-cycle intro period ends, the variable APR of 19.24%–29.24% applies to any remaining balance. If your primary goal is balance transfer savings over an extended period, also consider the Federal Crown Bank Balance Transfer card, which offers 18 billing cycles at 0% — three additional months of interest-free time.

Does the Unlimited Cash Rewards card charge foreign transaction fees?

Yes. The Unlimited Cash Rewards credit card charges a 3% foreign transaction fee on international purchases — any purchase made in a foreign currency or processed through a non-U.S. bank. If you travel internationally or frequently shop on foreign websites, you'll want to consider the Travel Rewards card or Premium Rewards card instead, both of which carry $0 foreign transaction fees. The Unlimited Cash Rewards card is best used for domestic spending where its simple 1.5% flat rate shines without the international fee concern.

Earn $200 Bonus + 1.5% on Everything — No Annual Fee

The simplest cash back card we offer. No categories, no caps, no complexity. Apply in minutes and start earning on every purchase, automatically.

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Offer terms subject to change without notice. Credit approval required. 0% intro APR applies for 15 billing cycles; variable APR thereafter. Checking pre-qualification does not affect your credit score.