Aggieland Credit Union Pinnacle Cash Back Cards

Pinnacle Cash Back Credit Card

Earn more from every purchase.






3% cash back on groceries, restaurants, and fuel. 2% cash back on everything else.

Welcome to the top. 

The Pinnacle Credit Card is a cash back credit card from Greater Texas Credit Union designed to help you earn more on everyday purchases. Earn 3% cash back on groceries, restaurants, and fuel, plus 2% on all other purchases, with no annual fee. 1

 

3% CASH BACK. NO ANNUAL FEE. NO COMPROMISE.

Earn premium 3% cash back on fuel, groceries, and dining, plus 2% on everything else.1 No annual fee. Just more value on the purchases you already make every day, with rewards that stay consistent wherever life takes you. Only with the Pinnacle Credit Card.

In addition to substantial rewards, rates2 are lower than what you’ll find with top cash back cards from the big banks, at just 18% APR.

Guadalupe Peak, Texas

Shaped by Elevation

Inspired by Guadalupe Peak, the highest point in Texas, this card was built to represent the ultimate rewards for you, our members, and the best of what we have to offer.

The Pinnacle Card features a steel-encased design for durability and weight. Topographical linework drawn directly from Guadalupe Peak. A refined color palette that reflects the standard it represents.

When it comes to everyday cash back, Pinnacle is designed to compete with the best. With a lower starting APR, no annual fee, and strong rewards on everyday categories, it delivers real value for Texans looking for more from their credit card.

 

SEE HOW MUCH CASH BACK YOU COULD EARN

Estimate how much cash back you could earn each month based on your everyday spending.

Total
$0 Cash Back

CASH BACK CREDIT CARD REWARDS AND BENEFITS

Simple rewards. Built-in benefits. One card designed to give more back where it matters.


Pinnacle Credit Card FAQs

Here’s everything you need to know.

The minimum qualifying credit score for the Pinnacle Credit Card is 680. Approval is based on overall creditworthiness, including credit history, debt-to-income ratio, and other financial factors.
You can earn 3% cash back by meeting the relationship requirement, which includes having a Greater Texas Credit Union checking account with at least $1,000 in monthly deposits. Once qualified, you will earn 3% cash back on fuel, grocery, and restaurant purchases.

 If the relationship requirement is not met, you will earn unlimited 1.5% cash back on all qualifying purchases instead of the premium reward rates.

No. The Pinnacle Credit Card has no annual fee.
The Pinnacle Credit Card has a variable APR of 18.00%, based on creditworthiness.
You can redeem cash back rewards by logging into digital banking. Rewards can be redeemed as a statement credit or deposited into your checking or savings account.
Yes. Cash back rewards expire after three years. Full details are available in the Cash Back Terms.
Eligible checking accounts include Member Checking and Essential Checking. Money Market, HSA, Teen/Child, and Business checking accounts do not qualify.
Yes. Deposits across multiple eligible consumer checking accounts can be combined to meet the $1,000 monthly deposit requirement.
Yes. Members are limited to one Pinnacle (Visa Signature) credit card account.
The Pinnacle card features a steel-encased design. It includes a steel core wrapped in premium matte-coated plastic to provide added durability and weight.
When you upgrade, your new credit limit will be reflected in online banking. Transactions may temporarily appear on your previous card before transitioning to the new account. Your old card will automatically close after 15 days.
The Pinnacle Credit Card offers 3% cash back on everyday categories like groceries, restaurants, and fuel, along with unlimited 2% on other purchases and no annual fee. It also features a lower starting APR compared to many major bank credit cards, making it a strong option for those looking for both rewards and long-term value.
Yes. The Pinnacle Credit Card is designed to provide strong everyday value, with elevated cash back rates on common spending categories, no annual fee, and competitive interest rates.
Cash back rewards are earned on qualifying purchases. Eligible categories include groceries, restaurants, and fuel for 3% cash back, and all other qualifying purchases earn 2%. Transactions such as cash advances, balance transfers, fees, and interest charges do not qualify.
Approval decisions are typically made instantly, though timing may vary depending on your application details and verification requirements.
Once approved, your Pinnacle Credit Card will typically arrive within 5 business days.








REWARDS AND TERMS

Full details, rates, and conditions are available through the disclosures below.

Application and Solicitation Disclosure | Cash Back Terms and Conditions | Visa Benefits Disclosure

Subject to credit approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness. Additional terms, conditions, and restrictions may apply. For complete details, including rates and account terms, refer to your Cardholder Agreement. Membership required. Federally insured by NCUA.

1: Bonus Earn: Cash back rewards are earned on qualifying purchases. Certain transactions, including but not limited to cash advances, balance transfers, fees, interest charges, and other non-purchase transactions, do not qualify for rewards. Merchant category classifications are determined by the merchant and may impact eligibility for rewards. You may qualify for a “Bonus Earn” if you meet our “Relationship Requirement” as outlined below. If the Relationship Requirement is met within a particular statement cycle/period, your transactions for grocery, gasoline, and restaurants for the next statement cycle/period qualify for an additional one percent (1%) cash back. The annual cap on Bonus Earn per category is $120.00. If the Relationship Requirement is not met for a particular statement cycle/period, your cash back Rewards percentage for the next statement cycle/period will be reduced to one and one-half percent (1.5%) for all qualified transactions and you will not qualify for any Bonus Earn. Relationship Requirement: The primary cardholder and Tax Reported Owner (TRO) for the Card account must have an active checking account with the Credit Union under the same TRO and monthly deposits into that checking account must be equal to or greater than $1,000. Excluded checking account types are Money Market, HSA, and Teen/Child checking accounts. Qualifying deposits will be calculated at the end of the statement cycle/period to determine whether you qualify for the Bonus Earn during the next statement cycle/period. Qualifying deposits to include deposits of new funds into the checking account that represent income or benefits payable to you and that are received through; the Automated Clearing House (ACH), mobile deposits, ATM check deposit or cash deposit, branch check deposit or cash deposit, and deposits from other financial institutions based on our discretion.

2: Variable 18.00% Annual Percentage Rate. Comparison based on publicly available APR ranges for cash back credit cards from major U.S. issuers, which typically range from approximately 19.24% to 29.99% variable APR, according to NerdWallet, based on publicly available data as of April 2026. Rates vary by issuer and creditworthiness.