Holiday spending hangover? Transfer your hefty holiday balances, 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.
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®
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
low minimum payments and ability to set up auto-pay
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 United's U Rewards Visa® Signature Credit Card
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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United Federal Credit Union full-service locations.
