Redwood Credit Union Visa Signature®
Redwood 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 Redwood 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 Redwood Credit Union Visa Signature® from Redwood Credit Union earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.5%
- 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 1.5% back.
What does the Redwood Credit Union Visa Signature earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Redwood Credit Union Visa Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Redwood Credit Union Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back 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 Redwood Credit Union Visa Signature?
The Redwood Credit Union Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Redwood Credit Union Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% 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 1.5% back.
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 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Redwood Credit Union Visa Signature have an annual fee?
The Redwood Credit Union Visa Signature has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Redwood Credit Union Visa Signature?
The Redwood Credit Union Visa Signature includes Access to Luxury Hotel Collection, Auto rental collision damage waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended warranty protection
$10,000/yrProvides up to 1 additional year of coverage on eligible U.S. manufacturer’s repair warranties of 3 years or less.
Cell phone protection
$7,200/yrReimbursement up to $500 for Signature holders, and $250 for Platinum holders in the event your device is stolen, or damaged. Applies when you make your monthly cellular wireless phone bill payment with your eligible card.
Trip cancelation/interruption
$5,000/yrOffers reimbursement up to $5,000 for the non-refundable fare in the event your trip is canceled or interrupted due to a covered reason.
Lost luggage reimbursement
$3,000/yrOffers supplemental reimbursement up to $3,000 for checked or carry-on luggage and its contents in the event of lost or stolen luggage.
Roadside dispatch
$1,000/yrOffers 24/7 on-demand referral dispatch network that provides roadside assistance, towing, or locksmith service whenever you need them.
Roadside 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.
Travel accident and baggage delay insurance
$300/yrProvides up to $1 million in accidental death and dismemberment coverage. Baggage Delay can reimburse you up to $300 in the event your baggage is delayed by a common carrier.
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.
Related encyclopedia topics
Common questions about the Redwood Credit Union Visa Signature
Does the Redwood Credit Union Visa Signature have an annual fee?
The Redwood Credit Union Visa Signature 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 Redwood Credit Union Visa Signature?
Dining is the strongest Madeen category for the Redwood Credit Union Visa Signature at about 1.5% 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 Redwood Credit Union Visa Signature charge foreign transaction fees?
The Redwood Credit Union Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Redwood Credit Union Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the Redwood Credit Union Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Redwood Credit Union Visa Signature?
Rewards on the Redwood Credit Union Visa Signature post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Redwood Credit Union Visa Signature?
To maximize the Redwood Credit Union Visa Signature, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Redwood Credit Union Visa Signature compare to similar cards?
Compare the Redwood Credit Union Visa Signature against Redwood Credit Union Visa Credit Builder (1% on Dining, $0 fee); Redwood Credit Union Visa Platinum (1% 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 |
|---|---|---|---|
Redwood Credit Union Visa Signature This card | Dining | 1.5% | $0 |
Redwood Credit Union | Dining | 1% | $0 |
Redwood Credit Union | Dining | 1% | $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.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Redwood 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 Redwood 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