2% CASH BACK!*
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2%
TOTAL CASH BACK
Cash back that never expires and no restricted categories to keep track of or weird points to redeem. Just hard, cold cash that goes directly into your member savings account.+
1.5%
Cash back on Purchases+
0.5%
Cash back on Payments
You’ll not only earn cash back on your purchases but also when you pay for those purchases.+
1%
CASH BACK ON
BALANCE TRANSFERS
(NO BALANCE TRANSFER FEE)
Move your other card balances to METAL in the first 90 days and get even more cash back with no balance transfer fee.+
Or call 888-342-8766 or visit any U.S. Eagle Branch.
Frequently Asked Questions
With METAL, you earn cash back on purchases (1.5%), and when you pay for those purchases (.5%) — for a total of 2% cash back. No restrictions, no funny business — like the hassle of tracking where and what you buy to get the maximum cash back. It's good to be rewarded for your payments, too, isn't it? All we ask is that you pay the minimum due each month.
And, for the first 90 days after METAL is in your life, you’ll get 1% cash back on your balance transfers — up to $10,000 in balance transfers with no balance transfer fee. Again, that’s good for the first 90 days. After that, the cash back goes away and the $25 transfer fee is charged. Your transfer amount is charged interest based on your purchase APR (Annual Percentage Rate).
Unlike other cash back credit cards, there are no annual, application, over-the-limit or extra cash advance fees with METAL. There are other fees that are fairly standard as with other cards such as a replacement card ($10), transfers ($25 — waived for the first 90 days), foreign transactions (1% of amount), pay-by-phone ($10), statement copy ($2) as well as late and returned payment fees ($25). The important thing to remember is that, unlike other cashback cards, METAL doesn’t charge you rent for your wallet space. None of these fees are automatic. If you don’t use them, you don’t pay for them. It doesn’t cost just to have METAL in your pocket.
According to an independent study by Forbes, the average credit card interest rate is 24.45% APR (Annual Percentage Rate). METAL does offer an extremely favorable rate compared to other cards out there. There is also no minimum interest charge with METAL.
Here’s something a little different that we think you’ll really like. Instead of having to remember to claim your cash back, it’s automatically deposited into your membership share (savings) account. No questions asked, no hassles. It will be deposited into your account annually, before the end of or on the first of the year, as long as you have at least $15 worth of cash back accumulated.
Or you can choose to grab your cash back on-demand, whenever you’d like at through your Digital Banking account. You may also check your cash back at the same site, 24/7. Any cash back received for balance transfers will be credited after the first 90 days.
Another great note. Unlike some cards, your cash back never expires — it just keeps adding up in your share savings account.
When we built METAL, we wanted to make it simple. It’s all cash, all the time. So no long-division needed in figuring how many points equal what amount of cash.
Yes. Just about all the features you’d find in other cash back credit cards you’ll find in METAL. It also carries all the security features you’d find in other cards including zero liability for any purchases that weren’t made by you. Like other cards, you may also use it as part of your mobile wallet to allow the cash back to really build-up.
No, it is now a plastic card.
It’s fairly simple. At U.S. Eagle, profits aren’t our focus — people are. We are a not-for-profit, member- owned credit union. And, as New Mexico’s longest-standing, member-owned credit union, people have been our focus for 90 years. The more our member-owners use us, the more financial stability we have to offer great financial products and services. This is how and why METAL was born.
Important Account Terms
U.S. Eagle METAL®Visa®Credit Card
| Interest Rates and Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 17.24% - 18.00% APR* when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.* |
| APR for Cash Advances | 18.00% APR* This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 17.24% - 18.00% APR* This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | Not Applicable |
| How to Avoid Paying Interest on Purchases | Your payment due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
|---|---|
Fees to Open or Maintain Your Account |
Annual Fee – None Application Fee – None |
Transaction Fees
|
$25 per transfer, this fee is waived for the initial 90 days after account opening. None 1% of each transaction in U.S. dollars. |
Penalty Fees
|
Up to $25 if your payment is late. Up to $25 if your payment is returned for any reason. None |
Other Fees
|
$2.00 per statement. $10.00 per card. $10.00 per payment. |
How We Will Calculate Your Balance: We use the "Average Daily Balance (including new purchases)" method.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Terms and Conditions. Method of computing finance charge: Average Daily Balance (including new purchases).
*Variable Rate Information: The APR for Purchases, Balance Transfers, and Cash Advances is determined quarterly by adding a margin to the published Prime Rate. The information about the costs of the cards described is accurate as of 07/01/25. This information may have changed after that date. To find out what may have changed, write to us at U.S. Eagle Federal Credit Union, PO Box 129, Albuquerque, New Mexico 87103, or call us at 888-342-8766.
+To earn cash back, pay at least the minimum due on time and remain in good account standing. Eligibility is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory. All cash back options automatically default to an annual deposit before end of current, or first day of following, year into member share account. Minimum cash back redemption amount of $5 required. Cash back also available for on-demand redemption by registering for and visiting online banking at useagle.org. Balance transfer cash back with no balance transfer fee is available up to 90 days after METAL account opening. Limit of $10,000 (or card credit limit, whichever is less) in balance transfers during first 90 days (introductory period). Cash back on balance transfers will be credited following first 90 days. Balance amount transferred accrues interest at qualified, variable purchase rate APR. After first 90 days of METAL account opening, 1% cash back no longer available and $25 transfer fee applies. Transaction, penalty and other fees may apply. Transaction fees include balance transfer (after first 90 days) and foreign transaction fees. Penalty fees include late and returned payments fees. Other fees include statement copy, card replacement and pay-by-phone fees. All loans subject to credit approval. Your creditworthiness may affect qualified APR. U.S. Eagle members are only allowed one credit card product. If a member currently has a credit card product with U.S. Eagle, and the member desires any new card product, including the new METAL card, their current card will be forfeited, and only the balance transferred to their new card will be at their current rate. New purchases, balance transfers and cash advances on their new card will be at the applicable rate for their new card product. Minimum payment of 2.00% of statement balance or $20.00, whichever is greater, rounded to the higher dollar ($21.04 = $22.00). Must qualify for U.S. Eagle membership including minimum $5 share deposit. See U.S. Eagle for complete details. US Eagle METAL® under trademark of U.S. Eagle Federal Credit Union, 2025. VISA® is a registered trademark of Visa, Inc.