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We offer two fantastic credit cards - one that earns you rewards and one that has low APR intro rate and minimum payments. Compare the two and see which works best for you!

the difference is in the details

compare United's credit cards

Looking for a new credit card, but don’t understand the difference? Compare and contrast United’s U First Visa® Credit Card and U Rewards Visa® Signature Credit Card. With no annual fees and low minimum payments, both options are a great choice for you.

U First Visa® Credit Card

The U First Visa® Credit Card has no annual fee, no balance transfer fee, and monthly payments are 2% of the outstanding balance or $20, whichever is greater.

ideal for

Members who want a revolving line of credit with a VISA® card or who want to start building their credit with a secured credit card.

GET U FIRST

U Rewards Visa® Signature Credit Card

With the U Rewards Visa® Signature Credit Card, you can earn reward points of 3x for groceries, 2x for gasoline purchases, and 1 point for $1 spent on all other qualified purchases. As a Visa® Signature Card, this card offers additional exclusive benefits.

ideal for

Members with established credit and wanting to earn maximum reward points.

GET U REWARDS

comparison chart

Get the breakdown of what makes U First and U Rewards credit cards different from one another.

U First Visa®
U Rewards Visa® Signature
details
Card Limit
$1,000 - $25,000
$5,000 - $50,000
Rates1
7.74 - 17.74% APR
10.74 - 18.00% APR
Introductory Rate
As low as 0% APR for 6 months2
10,000 bonus points for the first $3,000 within 90 days3
Cash Advance Rate*
7.74 - 17.74% APR
10.74 - 18.00% APR
Balance Transfer Rate

To transfer balances, you’ll need: copy of most recent statement, name of payee or credit card, mailing address, credit card number, and amount of payoff.

Learn More
7.74 - 17.74% APR
10.74 - 18.00% APR
Minimum Monthly Payment4
2% of outstanding balance or $20, whichever is greater
2% of outstanding balance or $20, whichever is greater
fees & penalties
Annual
None
None
Cash Advance
None
None
Balance Transfer
None
None
Replacement Card
None
None
Late Payment per Occurrence
$28 first / $39 subsequent
$28 first / $39 subsequent
Over-the-Credit Limit
None
None
Returned Payment
Up to $34
Up to $34
features
CardPerks™ Rewards5

The CardPerks™ Rewards program offers rewards for points earned. Points can be redeemed for cash back, gift cards, travel, merchandise, and more.

Learn More
3x Grocery, 2x Gas, 1 point per $1 spent
Used as Secured Line of Credit
Available
EMV Chip Cards

Chip-based transactions are the new security standard, widely used by more merchants every day.

Learn More
provided by Visa®6
Warranty Manager Services6
24/7 Cardholder Inquiry Service
Lose / Stolen Card Reporting
Emergency Cash Disbursement
Card Replacement
Visa® Signature Card Benefits
Visa® Signature 24/7 Concierge
Visa® Perks Lifestyle Benefits
Reimbursement
Trip Delay and Baggage Delay
Travel
$250,000 travel accident insurance
Insurance and Roadside Dispatch®
Auto Rental Collision
Damage Waiver
Insurance Available
services
Skip-a-Pay

Qualified Skip-a-Pay will allow most members to skip loan payments for up to 30 days. In these difficult times due to the Coronavirus pandemic, Skip-a-Pay fees will be waived until further notice.

Learn More
Free
Free
Digital Wallet

Easily pay for purchases directly from your mobile device using Google Pay, Apple Pay, or Samsung Pay.

Learn More
Auto-pay
Visa® Checkout

Visa® Checkout lets you pay online, fast and securely, on any device.

Learn More
interested?
*interest-free grace period does not apply to cash advances.

UFCU Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.