Idaho Central Premier Rewards Visa
Idaho Central Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Idaho Central Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Idaho Central Premier Rewards Visa from Idaho Central Credit Union earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Apply for a Premier Rewards Visa Credit Card and earn $200 cash back when you spend $500 a month for the first 3 months after opening the card..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
What does the Idaho Central Premier Rewards Visa earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Idaho Central Premier Rewards Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Idaho Central Premier Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values Idaho Central Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Idaho Central Premier Rewards Visa?
The Idaho Central Premier Rewards Visa fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Idaho Central Premier Rewards Visa fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1 foreign transaction fees.
- Idaho Central Rewards value depends on how you redeem, not straight cash back.
What is the Idaho Central Premier Rewards Visa welcome bonus?
In Madeen's catalog snapshot, the Idaho Central Premier Rewards Visa welcome offer is Apply for a Premier Rewards Visa Credit Card and earn $200 cash back when you spend $500 a month for the first 3 months after opening the card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer.
- Offer
- $200
- Terms (catalog snapshot)
- Apply for a Premier Rewards Visa Credit Card and earn $200 cash back when you spend $500 a month for the first 3 months after opening the card.
- Minimum spend
- $1,500
- Window
- 3Months
Does the Idaho Central Premier Rewards Visa have an annual fee?
The Idaho Central Premier Rewards Visa has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Idaho Central Premier Rewards Visa?
The Idaho Central Premier Rewards Visa includes Auto rental insurance, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Travel accident insurance
$3,000/yrRoadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Auto rental insurance
$25/yrWarranty manager service
$25/yrTravel/emergency assistance services
$10/yrGolf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Related encyclopedia topics
- Visa
- Rental car insurance
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel Accident Insurance
Common questions about the Idaho Central Premier Rewards Visa
Does the Idaho Central Premier Rewards Visa have an annual fee?
The Idaho Central Premier Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Idaho Central Premier Rewards Visa?
Dining is the strongest Madeen category for the Idaho Central Premier Rewards Visa at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Idaho Central Premier Rewards Visa charge foreign transaction fees?
The Idaho Central Premier Rewards Visa charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Idaho Central Premier Rewards Visa welcome bonus?
The Idaho Central Premier Rewards Visa welcome offer in our snapshot: Apply for a Premier Rewards Visa Credit Card and earn $200 cash back when you spend $500 a month for the first 3 months after opening the card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Idaho Central Premier Rewards Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the Idaho Central Premier Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Idaho Central Premier Rewards Visa?
Rewards on the Idaho Central Premier Rewards Visa post as Idaho Central Rewards. Redemption value depends on how you use Idaho Central Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Idaho Central Premier Rewards Visa compare to similar cards?
Compare the Idaho Central Premier Rewards Visa against Idaho Central Rewards Visa (1% on Dining, $0 fee); Idaho Central Fixed-Rate Platinum Visa (0% on Dining, $0 fee); Idaho Central Variable-Rate Platinum Visa (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Idaho Central Premier Rewards Visa This card | Dining | 2% | $0 |
Idaho Central Credit Union | Dining | 1% | $0 |
Idaho Central Credit Union | Dining | 0% | $0 |
Idaho Central Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Idaho Central Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Idaho Central Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure