U Rewards Credit Card

Earn rewards faster on everyday purchases.

With a U Rewards Visa Signature® card you receive:

  • Added purchasing power with credit limits from $5,000 to $50,000+
  • 3x points on travel, 2x points on gas, and 1 point per $1 spent on all other purchases1
  • Points towards Cash Back redemption option
  • Visa Signature® Concierge service2
  • Travel benefits including Roadside Dispatch®, Trip Delay Reimbursement, and Travel and Emergency Assistance3
U Rewards Visa Credit Card

U Rewards Visa Credit Card Features

  • Low interest rate
  • No annual fees
  • 25 days of interest-free grace period on your purchases4
  • Low minimum payments
  • Easy balance transfers, with no fee or higher interest rate.4 Click here for more information.
  • No cash advance fees4
  • Low cost credit protection insurance
  • Apple Pay ®,  Android Pay TM,  Samsung Pay
  • Visa Checkout
  • 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.
Fees
Annual Fee None
Application Fee None
Transfer Fees
Balance Transfer None
Cash Advance None
Penalty Fees
Late Payment Up to $27 for the first occurrence, and up to $37 for each additional occurrence within 6 months, that your payment is 10 or more days late
Over-the-Credit Limit None
Returned Payment Up to $32 if your payment is returned for any reason
APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.
1) Certain restrictions, limitations and exclusions apply. Please refer to your CardPerks™ Terms and Conditions for further details.
2) Subject to program terms and conditions. See the applicable Benefit Guides for more information.
2) U Rewards cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.
3) Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your terms and conditions for further details.
4) 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.