Visa® Credit Cards

Choose from Classic, Gold, or Platinum

Visa® Credit Cards


Visa Classic

Visa® Classic


Visa Gold

Visa® Gold


Visa Platinum

Visa® Platinum

Credit limit Credit limit From $500 Credit limit From $5,000 Credit limit From $10,000-$50,000
Rates 15.49% APR* 13.49% APR* 10.49% APR*
CardPerksTM Rewards2
Warranty Manager3
Auto Rental Insurance4
Travel Accident Insurance4

up to $250,000

up to $400,000

up to $500,000

Free Travel and Emergency Assistance4
Visa Checkout®
Apple Pay
EMV
Minimum Payments5 Monthly payment is 3% of outstanding balance or $20, whichever is greater 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
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Features

  • Low interest rates
  • No annual fees1
  • 25 days of interest-free grace period on your purchases1
  • Low minimum payments
  • Easy balance transfers, with no fee or higher interest rate.1 Click here for more information.
  • NO cash advance fees1
  • Low cost credit protection insurance
  • Apple Pay TM
  • Visa Checkout®
  • The convenience of automatic payment: no need to think about sending a check, no worrying about late fees!1
  • 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 visa.com/purchasealerts.

*APR = Annual Percentage Rate. The Annual Percentage Rate is based on the best advertised rate for a UFCU Visa Platinum Card interest rate of 10.49% APR; Visa Gold 13.49% APR; Visa Classic 15.49% APR. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion. Rates may vary and are accurate as of 12/15/2016. Subject to credit approval. Rates subject to change at any time without notice.

1. There is no grace period on balance transfers; 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.

2. 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. Penalty fees may be added to payment.

Fees
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

First occurrence – $27.00

Subsequent occurrences within 6 months – $37.00

Over-the-Credit Limit None
Returned Payment Up to $30 if your payment is returned for any reason