Digital Banking Access
On Sunday, August 16, we will be performing scheduled maintenance from 6:00 AM to 12:00 PM ET. During this time, Digital Banking will be unavailable for Members. We appreciate your patience as we improve your banking experience.
Reward yourself by earning up to 1.5% cash rewards with everyday purchases. Celebrate by opening a card today and you could earn a $100 cash rewards bonus¹ after qualifying purchases, plus enjoy 0% APR² for 12 months.
With your U Rewards Visa® Signature credit card, it’s all about the rewards! Earn cash rewards for every dollar spent.
U Rewards
Visa® Signature
fee freedom5
real benefits7
flexible options
A balance transfer is a type of credit card transaction in which debt is moved from one account to another. For example, moving the debt on a higher-interest credit card to a lower-interest credit card, which can save you money.
With a U Rewards Visa® Signature credit card, there is no balance transfer fee and a 12-month introductory rate applies to balance transfers. Why is that important enough to state twice? Well, the benefits of consolidating debt include:
By moving those balances to United, you’ll only have to make one low monthly payment. Reducing your interest rate through consolidation allows you to pay more toward the principal balance each month.
If better terms and a lower rate sound good to you, call us at (888) 982-1400 or stop by a branch and we’ll help you get started.
Be sure to have these on hand before you contact us:
Learn more about CardPerks. All card purchases automatically earn 1% cash rewards. To qualify for the additional .50% bonus cash rewards, you must meet the following 4 requirements:
No. The U Rewards Visa® Credit Card has no annual fee, allowing you to enjoy cash rewards and various other card benefits without paying a yearly fee.
No. The U Rewards Visa® Credit Card does not charge a balance transfer fee, making it easier and more affordable to consolidate higher-interest credit card debt.
No. The U Rewards Visa® Credit Card does not charge a cash advance fee, giving you access to cash advances without paying an additional transaction fee.
Yes. To earn the full 1.5% cash rewards rate each month, cardholders must:
If you don’t meet these requirements, no worries. You’ll still automatically earn 1% cash rewards. The monthly requirements only unlock the additional 0.50% bonus, bringing your total cash rewards rate to 1.5%.
Yes. The only exception is for members who have previously been a primary cardholder on a U Rewards Visa® Credit Card and later open a different/new U Rewards card. In those cases, the offer is not available.
There’s nothing you need to do to activate the new cardholder offers. Eligible offers are automatically applied when your new card is opened.
To earn the $100 cash rewards bonus, simply make $3,000 or more in qualifying purchases within 90 days of opening your account.
As a reminder, this bonus offer is available only to new primary cardholders opening a U Rewards Visa® Credit Card.
To redeem your CardPerks Rewards, choose the option that's most convenient for you:
Digital Banking
The easiest and fastest way to redeem rewards is through Digital Banking. From the main menu, navigate to Services > CardPerks Rewards. There, you can view your points balance, see how many points are needed for redemption, and check your available cash back rewards.
By Phone
Prefer to speak with someone? Call us during business hours at (888) 982-1400, and a member of Team United will be happy to help you redeem your rewards or check point balances.
In Person
You can also visit any United branch during regular lobby hours. A member of Team United will gladly assist you with your rewards redemption.
No. Your U Rewards Visa® Credit Card is automatically enrolled in the CardPerks Rewards program, so you can begin earning reward points as soon as you start making qualifying purchases. There’s no additional registration or enrollment required.
You have three payment options to choose from:
Eventually, yes. All unredeemed points will expire at the earlier of (i) the end of the twenty-fourth (24) month after the month in which such points were posted to the CardPerks Account, if no purchase was made using any of your enrolled cards associated with the CardPerks Account in any twenty-four (24) month period; or (ii) the end of the thirty-sixth (36) month after the month in which such points were posted to the CardPerks Account.
Yes, the maximum points earned in a month is 35,000, which is equivalent for $350 cash rewards.
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.
Cash Rewards are rewards in the form of CardPerks Rewards points. Points can be redeemed for cash back.
Your credit score is a simple three-digit number that shows how you manage credit—and understanding it can help you qualify for better financial opportunities and avoid costly surprises.
Your first credit card is a powerful tool to build credit and set yourself up for future financial success.
Skip fees for overdrafts, late payments and more with a few smart moves. Take these tips to utilize tools like eDocuments, Bill Pay, and Co-Op ATMs to save money on fees.
Learn how to transfer credit card balances, choose the best cards, manage fees, and repay debt effectively to reduce high-interest costs.
APR=Annual Percentage Rate. Subject to Credit Approval.
* Based on a credit line of $5,000 or more
[1] 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.
[2] 12-month introductory 0.00% APR introductory rate on new purchases and balance transfers is only available for new U Rewards credit cards. New purchases and balance transfers after introductory period between 18.00% - 18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.
[3] Certain restrictions, limitations and exclusions apply. Please refer to the CardPerks Terms and Conditions for further details.
[4] Rates after introductory period between 18.00%-18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.
[5] 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. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee of 1.5% of each transaction in U.S dollars if the transaction does or does not involve a currency conversion.
[6] 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.
[7] Subject to program terms and conditions. See the applicable Benefit Guides for more information.
U Rewards Signature Visa® Credit Card Agreement & Disclosures (PDF)
U Rewards Traditional Visa® Credit Card Agreement & Disclosures (PDF)
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