U Boost Visa®
- 18.00% APR on purchases, balance transfers, and cash advances1
- $200 - $5,000 card limit
- secure line of credit
- ideal for Members with Poor or No credit standing
- requires a secured deposit to open an account
U Boost Visa® credit card
Getting started on your financial journey? The secured U Boost Visa® could be the right card for you.
get a little boost
see how U Boost Visa® is best for you
You don’t have to watch your big balances pile up month after month. U First Visa® credit card from United is a simple way to lower your rate, fee free. No fluff or extras – here’s a secure credit line for your everyday purchases.
U Boost Visa® rates as low as
18.00%
APR1
fee freedom2
- no annual fee
- no balance transfer fee3
- no cash advance fee
- no convenience fee
- no over limit fee
- and more
real benefits4
- debt protection
- Roadside Dispatch®
- Identity Theft Protection
- 24/7 cardholder services
- Card Controls management app
- Sofar Sound
- and more
flexible options
- low minimum payments of 2% outstanding balance or $20, whichever is greater
- auto-pay option
- use of nationwide ATMs
- digital wallet, contactless, and EMV chip transaction options
- 25-day interest free grace period on your purchases
good to know
A: You have three payment options to choose from:
- Use United’s Online and Mobile Banking systems to schedule recurring or one-time credit card payments electronically.
- Set up your bill pay service to automatic debit or transfer payments to your card.
- If making a payment by check, please include your payment stub with your check and mail to:
United Federal Credit Union
PO Box 2711
Omaha, NE 68103-2711
A: A cash advance is borrowing "cash" from your credit card. It is a short-term cash loan that you can access at a United branch or ATM. It's like withdrawing money from the ATM with your debit card, except the cash comes from your credit limit rather than your bank account balance. That means you have to pay it back with interest. Cash advances are more risky for a bank or credit union to loan out versus using your credit card to purchase an item. Because of this, cash advances don't have a grace period, meaning interest begins accruing on the balance as soon as the transaction is completed.
A: Cash advance interest is accrued from the date of advancement, regardless of when the advance is paid off, whereas purchase interest is not charged if the purchase is paid off within the statement cycle. Because the way each interest is determined is done differently, they are shown as two separate interest charges on the credit card statement.
A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.
A: U Boost Visa® is not a rewards card. If you are looking for a card that earns points and rewards, try U Rewards Visa® Signature Credit Card from United.
APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.
[1] 18.00% APR (17.00% APR in Arkansas and Oklahoma); rates may vary. Rate determined by applicant’s creditworthiness. [2] There is a penalty fee for late payments of $29 for the first occurrence and $40 for each subsequent occurrence and up to $35 penalty fee for returned payments. [3] You may transfer any amount, but the total amount of your balance transfer must be less than your available credit limit. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You can’t transfer balances from other accounts issued by United Federal Credit Union. 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. [4] Subject to program terms and conditions. See the applicable Benefit Guides for more information.
Visa® Credit Card Agreement
Visa® U Boost Credit Card Truth-In-Lending Disclosure Statement