U Rewards Visa® Signature credit card

Reward yourself by earning points with everyday purchases. Plus, learn how you can celebrate with 10,000 bonus points.3

Apply for U Rewards

rewards that make you feel good

See how U Rewards is best for you.

With your U Rewards credit card, it's all about the points! Earn points for every dollar spent, and earn 2 to 3 times more points on groceries and gas.

U Rewards Visa®

  • new cardmember offer: 10,000 bonus points when you spend $3,000 within the first 90 days3
  • 10.74 - 18.00% APR1 on purchases, balance transfers, and cash advances
  • $5,000 - $50,000 card limit
  • minimum monthly payment of 2% outstanding balance or $20, whichever is greater
  • 3x points on grocery, 2x points on gas, and 1 point per $1 spent on everything else2
  • 25 day interest free grace period on your purchases6

fee freedom7

  • no balance transfer fees5
  • no annual fees1
  • no foreign transaction fees
  • no cash advance fees5

flexible options

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, travel insurance, Roadside Dispatch®, and auto rental insurance
  • Visa® Signature Services: Visa® Signature Card Benefits, Visa® Signature 24/7 Concierge4, Visa® Perks Lifestyle Benefits, Trip Delay and Baggage Delay5

rates as low as
10.74% APR1

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 Rewards Visa® Signature credit card, there is no balance transfer fee. 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

breaking down the points

What You're Earning

Earn rewards or cash back with everyday spending with CardPerks™ Rewards. You can check the status of your points as often as you want by logging into your United Member account, visiting CardPerks, or calling (855) 445-7431. There are a wide range of rewards, starting as low as 3,500 points. With the points you earn, you can choose to reward yourself with:

cash back gift cards travel merchandise discounts

How You Earn

Using your U Rewards Visa® Signature credit card on purchases will earn you points. For every dollar spent, you receive points to go towards your reward. Using your card for weekly essentials earn you even more - double the points for gas and triple the points for groceries.

Let's break it down with an example of what 3 months could look like:

in 1 month

Expenses for a family of 4*

groceries
food items only
$800 = 2,400 points
gas
commute, school, practices, shopping trips
$250 = 500 points
school
clothes, supplies, lunches, sports gear
$300 = 300 points
$1,350 earned 3,200 points

Assuming that you spend about the same each month on groceries, gas, and school items, multiplying the 1 month expenses by 3 gives you:

3,200 x 3 months = 9,600 points within the first 90 days of the card

With the lowest rewards starting at 3,500 points, you can already start rewarding yourself. However, let's continue the example and assume that these are the first 3 months of your U Rewards credit card.

$1,350 x 3 months = $4,050 within the first 90 days of the card
more than $3,000 in 90 days = 10,000 points
400 bonus points earned in addition to points earned regularly

Want to go even further? Get reward points up to 35,000 points per month. That's a lot of bang for your buck!

* Amount spent is a general estimation based on average of United locations and may not reflect your unique location, situation, or the general fluctuation of prices.


good to know

A: Yes. You may transfer from one CardPerks account to another CardPerks account. All transfers are final and all points transferred will expire after a year from when the transferred points are posted to the receiving CardPerks account, regardless of when the points were earned. For example, points transferred on March 1, 2020, expire on March 1, 2021.

A: Yes. All unredeemed points that are not transferred points will expire at the end of the thirty-sixth (36) month after the month in which such points were posted to the CardPerks account. For example, points earned on March 1, 2020, expire on March 31, 2023.

A: Yes, the maximum points earned within a full calendar year is 35,000.

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.

start earning rewards today

the best decisions are informed ones

Essentials for Your Digital Wallet

Advice Hub Article | 12/08/2020

Learn what a digital wallet is and the different options you have.

Read Article

How to Use Credit Card Rewards

Advice Hub Article | 12/01/2020

Get more bang for your buck and see what a rewards credit card can do for you.

Read Article

Online Shopping: Picking the Right Card

Advice Hub Article | 11/24/2020

The ins and outs of shopping online and the advantages of using different types of cards.

Read Article

Paying Off Credit Card Debt

Advice Hub Article | 9/30/2020

Here are four smart steps you can take now to help you pay off credit card debt.

Read Article


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.