Visa® Credit Cards

Choose from Classic or Platinum

Visa® Credit Cards

Visa Classic

Visa® Classic

Visa Platinum

Visa® Platinum

Credit limit Credit limit From $500 Credit limit From $5,000-$50,000

Intro 2.99% APR* for first 6 months.1

After that, variable 15.99% APR*

10.99% APR* with

limited-time 5,000 bonus points offer2

CardPerksTM Rewards2
Warranty Manager3
Auto Rental Insurance4
Travel Accident Insurance4

up to $250,000

up to $500,000

Free Travel and Emergency Assistance4
Digital Wallet5
(Android Pay®, Apple Pay, Samsung Pay and Visa Checkout)
Minimum Payments6 Monthly payment is 3% of outstanding balance or $20, whichever is greater Monthly payment is 2% of outstanding balance or $20, whichever is greater
* See details for specific requirements


  • Low interest rates
  • No annual fees6
  • 25 days of interest-free grace period on your purchases6
  • Low minimum payments
  • Easy balance transfers, with no fee or higher interest rate.7 Click here for more information.
  • NO cash advance fees7
  • Low cost credit protection insurance
  • The convenience of automatic payment: no need to think about sending a check, no worrying about late fees!6
  • For ultimate card convenience, all United Federal Credit Union Visa cards can also be used in nationwide networks of Automated Teller Machines (ATMs) to obtain cash advances on your Visa.
  • Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. Click here for details.
  • Visa Purchase Alerts help you keep tabs on your account anytime, anywhere. Near real-time alerts powered by Visa help you reduce fraud and monitor your spending. And the service is available free for Visa cardholders. To sign up, go to
Federally insured by NCUA. Equal Opportunity Lender.

*APR= Annual Percentage Rate. Rates may vary and are accurate as of 6/15/2017. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion applies. Subject to credit approval.

1) Six-month introductory 2.99% APR on new purchases and balance transfers is only available for new Visa Classic credit cards applied for on or before 7/31/2017.

2) 5,000 bonus CardPerks Rewards points offer is only available for new Visa Platinum credit cards approved for on or before 7/31/2017. Bonus points will be awarded within seven business days of qualifying. $500 in purchases must be made by a single cardholder to qualify for bonus points. $500 in qualified purchases must be posted to the account within 60 days of card opening to receive bonus points. Subject to program CardPerks Terms and Conditions. View Terms and Conditions for more information.

3) Warranty Manager-  Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your card.

4) Subject to program terms and conditions. See the applicable Benefit Guides for more information.

5) Message and data rates may apply. Android Pay is a trademark of Google Inc. Apple Pay is a registered trademark of Apple, Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

6) Penalty fees may be added to payment.

7) There is no grace period on balance transfers or cash advances; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account. A list of additional fees can be found in the chart below.

Annual Fee None
Application Fee None
Transfer Fees
Balance Transfer None
Cash Advance None
Foreign Transaction

1% of each transaction in U.S. dollars if the transaction involves a currency conversion

1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion Penalty

Penalty Fees
Late Payment If your payment is 10 days or more days late, up to $27 for the first occurrence and up to $37 each if 2 or more occurrences occur within 6 months.
Over-the-Credit Limit None
Returned Payment Up to $30 if your payment is returned for any reason