Michigan Consumers Credit Union
Consumers Cash Back Mastercard®
This card is built for someone who wants uncomplicated cash back with no annual fee and no category tracking. It works best as a simple everyday card for general spending, especially if you value predictability more than bonus categories or travel perks.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Simple flat-rate cash back
All information about Consumers Cash Back Mastercard® has been collected independently by MaxRewards. Consumers Cash Back Mastercard® is no longer available through MaxRewards.
Is the Consumers Cash Back Mastercard® worth it?
This card is great for...
Everyday purchases
No-fee cash back
Single-card simplicity
The Consumers Cash Back Mastercard® is worth a look if your main goal is straightforward cash back on everything you buy. A flat 1.5% back rate is easy to use, there is no annual fee to offset, and you do not have to think about rotating categories, transfer partners, or benefit enrollment.
That said, this is a practical card more than a high-value one. If you spend heavily and want to maximize rewards, many no-annual-fee cards now offer 2% cash back or richer bonus categories. This card makes the most sense for someone who prefers a simple setup and is comfortable trading higher upside for a no-fuss experience.
MaxRewards Verdict
A solid fit for cardholders who want steady cash back with no annual fee and no complexity. Its main limitation is simple: the 1.5% return is easy to live with, but not especially competitive if rewards are your top priority.
Rewards
The rewards structure here is as simple as it gets: cash back at the same rate on every purchase. That makes this card easy to understand, though the real question is whether 1.5% is enough for your spending compared with other no-fee options.
CategoryEst. yearly spendRateRewards
Everywhere
Est. yearly spend
Rate1.5%
Rewards$0$0
Est. Annual Rewards
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
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