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We offer three fantastic personal credit cards. Whether you are just starting out and need to build your credit or if you are established and want to earn more with each purchase, there's a card for U.

find the perfect credit card for U

explore our range of card options

At United, we understand that everyone’s financial journey is unique. That’s why we offer a variety of credit card options designed to align with your individual goals and lifestyle. Whether you’re aiming to build or rebuild your credit, seeking a low-interest rate for significant purchases, or wanting to earn cash rewards on everyday spending, we have a card tailored for you. Explore our U Boost Visa® Credit Card, U First Visa® Credit Card, and U Rewards Visa® Signature Credit Card to find the perfect fit for your financial needs. 

best for U

compare personal credit cards

U First

U First Visa

The U First Visa® credit card has a low rate and an even lower balance transfer rate.

intro bonus

0% APR for the first 6 months on purchases and balance transfers1 then as low as 11.49% APR2

Card Limit

$500 – $50,000

Rate

11.49%-18.00% APR6

Credit Level

Good

Additional Benefit

2% less than purchasing rate on balance transfers

U Rewards

U Rewards Visa Signature

The U Rewards Visa® Signature credit card lets you earn up to 1.5% cash rewards and Signature card benefits.3

intro bonus

Get 0% APR for 12 months.4
Earn $100 cash rewards after $3,000 in purchases within 90 days5 

Card Limit

$500 – $50,000

Rate

18.00%-18.00% APR6

Credit Level

Outstanding

Additional Benefit

Up to 1.5% cash rewards & 2% less than purchasing rate on balance transfers

U Boost

U Boost Visa

The U Boost Visa® credit card with low credit limits and a fixed APR.

highlights

A great card when you’re getting started on your financial journey.

Card Limit

$200 – $5,000

Rate

18.00%6

Credit Level

Poor / No Credit

Additional Benefit

Secure line of credit

credit card benefits

our credit cards come with great benefits

low rates

  • new cardmember offers of 0% APR*
  • lower balance transfers APR*
  • up to 1.5% cash rewards*

* on select cards

fee freedom

  • no account fee
  • no balance transfer fee
  • and more

real benefits

  • debt protection
  • identity theft protection
  • Card Controls management app

flexible options

  • low minimum payments
  • use of nationwide ATMs
  • pay your way with digital wallet, contactless, and EMV chip transaction options

Do you have a business? Check out our business credit card.

Commercial Visa® credit card

comparison chart

U Boost Visa®
U First Visa®
U Rewards Visa® Signature
consider if...
U Boost you want a great low‑limit credit card option
U First you want to consolidate debt and avoid paying high interest rates while paying off large purchases
U Rewards you have an established credit and want to earn cash back for everyday spending
details
Card Limit
U Boost $200 – $5,000
U First $500 – $50,000
U Rewards $500 – $50,000
Rates6 
U Boost 18.00%
U First 11.49%-18.00% APR
U Rewards 18.00%-18.00% APR
Introductory Rate
U Boost None
U First 0% APR for 6 months on purchases and balance transfers
U Rewards 0% APR for 12 months on purchases and balance transfers
Introductory Bonus
U Boost None
U First None
U Rewards Get $100 cash rewards for the first $3,000 spent in 90 days
Cash Advance Rate7 
U Boost 18.00%
U First 11.49%-18.00% APR
U Rewards 18.00%-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

U Boost 16.00%
U First 9.49% – 16.00% APR
U Rewards 16.00%-16.00% APR
Minimum Monthly Payment8 
U Boost 2% of balance or $20, whichever is greater
U First 2% of balance or $20, whichever is greater
U Rewards 2% of balance or $20, whichever is greater
fees & penalties
Annual Fee
U Boost None
U First None
U Rewards None
Balance Transfer Fee
U Boost None
U First None
U Rewards None
Cash Advance Fee
U Boost None
U First None
U Rewards None
Convenience Fee
U Boost None
U First None
U Rewards None
Foreign Transaction Fee
U Boost 1.5%
U First 1.5%
U Rewards 1.5%
Late Payment per Occurrence
U Boost $29 first / $40 subsequent
U First $29 first / $40 subsequent
U Rewards $29 first / $40 subsequent
Over Limit Fee
U Boost None
U First None
U Rewards None
Replacement Fee
U Boost None
U First None
U Rewards None
Retrieval Fee
U Boost None
U First None
U Rewards None
Returned Payment
U Boost None Non‑Rush, $35 Rush
U First None Non‑Rush, $35 Rush
U Rewards None Non‑Rush, $35 Rush
features
CardPerks Rewards9 

The CardPerks Rewards program offers rewards for points earned. Points can be redeemed for cash back. Learn More

U Boost N/A
U First N/A
U Rewards Up to 1.5% Cash Rewards
Used as Secured Line of Credit
U Boost Available
U First N/A
U Rewards N/A
EMV Chip Cards

Chip-based transactions are a card security standard, widely used by many merchants.

U Boost Available
U First Available
U Rewards Available
Contactless Payments
U Boost Available
U First Available
U Rewards Available
Digital Wallet

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

U Boost Available
U First Available
U Rewards Available
Auto‑pay
U Boost Available
U First Available
U Rewards Available
Visa® Secure

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

U Boost Available
U First Available
U Rewards Available
Card Controls

Card Controls gives you personalized card access and information with a dedicated app to manage your cards. Learn More

U Boost Available
U First Available
U Rewards Available
services & benefits
Roadside Dispatch®
U Boost Available
U First Available
U Rewards Available
Travel Emergency Assistance Services
U Boost N/A
U First N/A
U Rewards Available**
Cardholder Inquiry Service
U Boost Available
U First Available
U Rewards Available
Emergency Card / Cash Disbursement
U Boost Available
U First Available
U Rewards Available
Lost / Stolen Card Reporting
U Boost Available
U First Available
U Rewards Available
Visa® Luxury Hotel Collection
U Boost N/A
U First N/A
U Rewards Available**
Sofar Sound
U Boost Available
U First Available
U Rewards Available
Rental Car
U Boost N/A
U First N/A
U Rewards Available**
Golf Benefits
U Boost N/A
U First N/A
U Rewards Available**
Booking.com
U Boost N/A
U First N/A
U Rewards Available**
Visa 24/7 Concierge
U Boost N/A
U First N/A
U Rewards Available**
interested?
Get U Boost
Get U First
Get U Rewards
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APR=Annual Percentage Rate. Rates as of 11/1/2025 and may vary and are subject to change without notice. Rates determined by applicant’s creditworthiness and are subject to credit approval. 

[1] Six-month introductory 0.00% APR rate on new purchases and balance transfers is only available for new U First credit cards.

[2] New purchase rates after introductory period between 11.49% - 18.00% APR; balance transfer rates after introductory period between 9.49% - 16.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.

[3] Based on a credit line of $5,000 or more.

[4] Earn the value of $100 cash rewards for spending a minimum cumulative amount of $3,000 on qualifying purchases within 90 days of account opening. Bonus point intro offer is only available for new primary cardholders of new U Rewards credit cards.

[5] 12-month introductory 0.00% APR introductory rate on new purchases and balance transfers is only available for new U Rewards credit cards. New purchase rates after introductory period between 18.00% - 18.00% APR; balance transfer after introductory period between 16.00% - 16.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.

[6] Rates vary by card type and determined by applicant’s creditworthiness.

[7] Interest-free grace period does not apply to cash advances.

[8] Penalty fees may be added to payment.

[9] Subject to CardPerks Program Terms and Conditions (PDF). See document for more information. 

U First Visa® Credit Card Agreement & Disclosures (PDF)
U Rewards Signature Visa® Credit Card Agreement & Disclosures (PDF)
U Rewards Traditional Visa® Credit Card Agreement & Disclosures (PDF)
U Boost Visa® Credit Card Agreement & Disclosures (PDF)

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