U First Visa® credit card

Save with a card that puts U first. Apply for one today and you can get as low as 0% APR1 for the first 6 months.

Better Your Balance

tip the balance in your favor

See how U First is best for you.

You want a low-interest credit card? You got it! United's U First Visa® is a great card for any Member who just wants a credit line for everyday purchases - no fluff or extras.

U First Visa®

  • $1,000 - $25,000 card limit
  • 7.74 - 17.74% APR2 on purchases, balance transfers, and cash advances
  • as low as 0% APR for the first 6 months1
  • minimum monthly payment of 2% outstanding balance or $20, whichever is greater
  • secure line of credit

fee freedom5

  • no balance transfer fees4
  • no annual fees2
  • no foreign transaction fees
  • no cash advance fees

real security

  • debt protection
  • Visa services: Visa Secure, Visa Purchase Alerts, warranty manager services, 24/7 cardholder inquiry service, lost/stolen card reporting, emergency cash disbursement, card replacement, $250,000 travel accident insurance3, and damage waiver for auto rental collision

flexible options

rates as low as
7.74% APR2

good to know

A: 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. With a U First Visa® credit card, there is no balance transfer fee and the lower APR for the first 6 months of the card applies to balance transfers.

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: Cash advances do not qualify for the promotional lower APR for the first 6 months.

A: U First Visa® is not a rewards card. If you are looking for a card that earns points and rewards, try United's U Rewards Visa® Signature Credit Card

better your balance today

the best decisions are informed

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still not sure?

Compare U First and U Rewards credit cards, learn about United, and contact us with your questions to make the decision easier.

United Routing Number: 272484894


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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

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