U First Visa® credit card

As low as 0% APR intro rate for first six months on both purchases and balance transfers


You want a low-interest card? You got it.

Here’s what you get with the U First Visa® credit card:

  • As low as 0% APR intro rate for first six months on both purchases and balance transfers.1 Then, variable rate from 7.74-17.74% APR2
  • Credit limits starting at $1,000
  • No balance transfer fees4
  • No annual fees2
  • $250,000 Travel Accident Insurance on travel bought with your U First card3

Sound good? Check out these additional features:

  • 25-day interest-free grace period on your purchases4
  • Low minimum payments
  • Easy balance transfers with no fee or higher interest rate4
  • No cash advance fees4
  • Low cost credit protection insurance available
  • Digital wallet - Google Pay™, Apple Pay®, Samsung Pay and Visa Checkout
  • Your U First Visa® card can also be used nationwide at ATMs to obtain cash advances
  • Visa® Purchase Alerts keep tabs on your account anytime, anywhere, helping you reduce fraud and monitor your spending
  • Forget about sending a check or paying late fees by setting up automatic payments


Credit Card Fees

Annual Fee None
Application Fee None


Transfer Fees
Balance Transfer None
Cash Advance None
Foreign Transaction None


Penalty Fees
Late Payment Up to $28 for the first occurrence, and up to $39 for each additional occurrence within 6 months, that your payment is 5 or more days late
Over-the-Credit Limit None
Returned Payment Up to $34 if your payment is returned for any reason

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.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.