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:
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*
food items only
$800 = 2,400 points
commute, school, practices, shopping trips
$250 = 500 points
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 = $4,050within 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.
APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.
 10.74%-18.00% APR, accurate as of 7/1/2020; rates may vary. Rate determined by applicant’s creditworthiness.  Certain restrictions, limitations and exclusions apply. Please refer to the CardPerks™ Terms and Conditions for further details.  Earn 10,000 bonus points for spending on qualified purchases a minimum cumulative amount of $3,000 within 90 days of account opening. Bonus point intro offer is only available for new U Rewards credit cards.  Subject to program terms and conditions. See the applicable Benefit Guides for more information.
Rewards cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature® Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the
respective merchant, and Visa® is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.  Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your U Rewards Visa® card to secure transactions. Please refer to your terms and conditions for further details.  You may transfer any amount, but the total amount of your balance transfer must be less than your available credit limit. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You can’t transfer balances from other accounts issued by United Federal Credit Union. There is no grace period on balance transfers or cash advances; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account.  There is a penalty fee for late payments of $28 for the first occurrence and $39 for each subsequent occurrence and up to $34 penalty fee for returned payments.
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