Despite the name, the Meridian Visa Cash Back Card actually earns Meridian Rewards Points which can be redeemed for merchandise, travel, gift cards, and account credit. Of the six personal credit cards offered by Meridian Credit Union, the Meridian Visa Cash Back Card is the only card that doesn’t come with an annual fee. This card is perfect if you want a Meridian credit card, but you don’t want to pay an annual fee.

Bonuses & Fees

The Meridian Visa Cash Back Card currently comes with a welcome bonus of 7,000 Meridian Rewards Points, which are awarded after two billing cycles from approval.

Meridian Rewards Points can be redeemed for up to 1 cent per point, making the welcome bonus worth up to $70.

This card comes with no annual fee, and you can also order supplementary cards which also carry a $0 annual fee.

Earning Rewards

The Meridian Visa Cash Back Card earns Meridian Rewards Points at the following rates:

• 2 Meridian Rewards Points per $2 spent on gas, groceries, pharmacy, and utility bills
• 1 Meridian Rewards Point per $2 spent on all other eligible purchases

If you redeem Meridian Rewards Points at 1 cent per point, you are looking at an earn rate of 1% on the elevated categories, and 0.5% on all other purchases.

Redeeming Rewards

Your Meridian Rewards Points can be redeemed in a variety of ways, including the following:

• Merchandise rewards
• Travel awards
• Account credit and gift card rewards

You can redeem your points for most redemptions online. However, if you want to redeem Meridian Rewards Points for vacation packages, or cruises, you have to call in at 1 (833) 998-4692. The amount your Meridian Rewards Points are worth will depend on what you are looking to redeem your points for. It’s possible to get value as high as 1 cent per point, which is what you should aim for if you'd like to maximize your rewards.

Perks & Benefits

The Meridian Visa Cash Back Card doesn’t come with any additional perks or benefits beyond the insurance benefits.

Insurance

The Meridian Visa Cash Back Card offers the following insurance benefits:

• Travel Accident Insurance up to $1,000,000 per person in the event of accidental death or injury
• Mobile Device Insurance up to $1,000
• Purchase Protection Insurance up to $10,000 per item for 90 days from the purchase date
• Extended Warranty Insurance doubling the original warranty to one additional year up to $10,000 per item
• Price Protection Service reimburses the price difference if a lower price is found within 60 days of purchase of to $100 per item