Pinnacle Cash Back Credit Card

Pinnacle Credit Card FAQs

Here’s everything you need to know.

What credit score is needed for the Pinnacle Credit Card?

• 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.

How do I earn 3% cash back?

• 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.

Is there a limit on cash back rewards?

• Yes. You can earn 3% cash back on fuel, grocery, and restaurant purchases up to $4,000 per category, per quarter. All other purchases earn unlimited 2% cash back. If the relationship requirement is not met, all purchases earn unlimited 1.5% cash back.

What happens if I don’t meet the relationship requirements?

• 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.

Does the Pinnacle Credit Card have an annual fee?

• No. The Pinnacle Credit Card has no annual fee.

What is the APR for the Pinnacle Credit Card?

• The Pinnacle Credit Card has a variable APR of 18.00%, based on creditworthiness.

How do I redeem cash back rewards?

• 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.

Do cash back rewards expire?

• Yes. Cash back rewards expire after three years. Full details are available in the Cash Back Terms.

What checking accounts qualify for the relationship requirement?

• Eligible checking accounts include Member Checking and Essential Checking. Money Market, HSA, Teen/Child, and Business checking accounts do not qualify.

Can deposits from multiple checking accounts count toward the $1,000 requirement?

• Yes. Deposits across multiple eligible consumer checking accounts can be combined to meet the $1,000 monthly deposit requirement.

Is there a limit to how many Pinnacle credit card accounts I can have?

• Yes. Members are limited to one Pinnacle (Visa Signature) credit card account.

What is the Pinnacle credit card made of?

• 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.

What happens if I upgrade my existing card to Pinnacle?

• 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.

How does the Pinnacle Credit Card compare to other cash back credit cards?

• 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.

Is the Pinnacle Credit Card a good cash back credit card?

• 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.

What purchases qualify for cash back rewards?

• 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.

How long does it take to get approved?

• Approval decisions are typically made instantly, though timing may vary depending on your application details and verification requirements.

When will I receive my Pinnacle Credit Card?

• 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.