earn more from every swipe
Pair a U Rewards Credit Card with Ultra Checking and make more of your everyday spending. Earn rewards on eligible purchases while enjoying a checking account designed to help your money work harder for you.
Whether you already have Ultra Checking, a U Rewards Credit Card, or neither, this pairing helps you get more from everyday purchases.
Eligible U Rewards credit card purchases can help satisfy one of Ultra Checking’s monthly Bonus APY requirements while earning rewards on purchases you already make.1
Use your card for everyday purchases and earn rewards on eligible transactions.
Qualifying U Rewards purchases can help satisfy one of Ultra Checking’s monthly Bonus APY requirements.1
Earn rewards while taking advantage of the benefits available through Ultra Checking.
up to
5.00%
APY1
On balances up to $10,000 when monthly requirements are met. Earn Bonus APY when qualifications are met while enjoying convenient everyday banking tools.1
intro offer
0%
APR for 12 months2
18.00% APR after the introductory period3
New cardmembers may earn $100 cash rewards after qualifying purchases.4
A: Eligible purchases made with a U Rewards Credit Card by an eligible cardholder can help satisfy one of Ultra Checking’s monthly Bonus APY requirements.1 At the same time, those purchases may earn rewards through the credit card program.
A: No. Each product can be used independently. However, using them together may provide additional value depending on how you manage your everyday spending and banking.
A: Yes. Both accounts can be viewed and managed through United’s Digital Banking platform.
A: You can apply online or speak with a United representative to learn more about which products may fit your needs.
Loans are subject to credit approval.
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.
[2] 12-month introductory 0.00% Annual Percentage Rate (APR) introductory rate on new purchases and balance transfers is only available for new U Rewards credit cards.
[3] 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.
[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] Certain restrictions, limitations and exclusions apply. Please refer to the CardPerks Terms and Conditions for further details.
[6] 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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