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U First Visa® credit card

You don’t have to watch your big balances pile up month after month. U First Visa® credit card is the simple way to lower your rate, fee free. Apply for the card that puts U first today and you can get as low as 0% APR1 for the first 6 months.

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tip the balance in your favor

See how U First is best for you.

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

U First Visa®

  • new cardmember offer: as low as 0% APR for the first 6 months1 on purchases and balance transfers
  • 7.74 - 17.74% APR2 on purchases, balance transfers, and cash advances
  • $1,000 - $25,000 card limit
  • 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

it needs saying again

No balance transfer fees.4

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 First Visa® credit card, there is no balance transfer fee and 6 month introductory rate applies to balance transfers. Why is that important enough to state twice? Well, the benefits of consolidating debt include:

  • Multiple payments become one convenient payment
  • Eliminates higher interest rate debt, saving you money
  • Reduces the risk of late payments
  • May improve your credit score

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.

Prepare for a balance transfer.

Be sure to have these on hand before you contact us:

  • Copy of most recent credit card statement
  • Name of payee/credit card
  • Mailing address of payee
  • Account or credit card number for payee
  • Amount of payoff

good to know

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 U Rewards Visa® Signature Credit Card from United.

better your balance today

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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.