We offer three fantastic personal credit cards. Whether you are just starting out and need to build your credit or if you are established and want to earn more with each purchase, there's a card for U.
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When you're getting started on your financial journey. The U Boost Visa® credit card with low credit limits and a fixed APR. When you want a low rate. The U First Visa® credit card has a low rate and an even lower balance transfer rate. When you want to earn rewards. The U Rewards Visa® credit card lets you earn up to 1.5% cash rewards and Signature card benefits.** Our credit cards come with great benefits. * on select cards Have a business? Take a look at our business credit card options Get the breakdown of what makes United credit cards different from one another. To transfer balances, you’ll need: copy of most recent statement, name of payee or credit card, mailing address, credit card number, and amount of payoff. Learn More The CardPerks Rewards program offers rewards for points earned. Points can be redeemed for cash back. Learn More Chip-based transactions are the new security standard, widely used by more merchants every day. Learn More Easily pay for purchases directly from your mobile device using Google Pay, Apple Pay, or Samsung Pay. Learn More Visa® Checkout lets you pay online, fast and securely, on any device. Learn More Card Controls gives you personalized card access and information with a dedicated app to manage your cards. Learn More Get a United Visa® credit card today and enjoy being a Member of a credit union who takes you seriously.best for you
compare personal credit cards from United.
U Boost Visa®
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U First Visa®
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U Rewards Visa® Signature
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credit card benefits
low rates
fee freedom
real benefits
flexible options
comparison chart
consider if...
U Boost is a great low-limit credit card option
U First you want to consolidate debt and avoid paying high interest rates while paying off large purchases
U Rewards you have an established credit and want to earn cash back for everyday spending
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Card Limit
U Boost $200 - $5,000
U First $500 - $50,000
U Rewards $500 - $50,000
Rates1
U Boost 18.00% APR
U First 12.24% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Introductory Rate
U Boost None
U First 0% APR for 6 months on purchases and balance transfers
U Rewards 0% APR for 12 months on purchases and balance transfers
Introductory Bonus
U Boost None
U First None
U Rewards Get $100 cash rewards for the first $3,000 spent in 90 days
Cash Advance Rate*
U Boost 18.00% APR
U First 12.24% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Balance Transfer Rate
U Boost 18.00% APR
U First 10.24% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Minimum Monthly Payment2
U Boost 2% of balance or $20, whichever is greater
U First 2% of balance or $20, whichever is greater
U Rewards 2% of balance or $20, whichever is greater
fees & penalties
Annual Fee
U Boost None
U First None
U Rewards None
Balance Transfer Fee
U Boost None
U First None
U Rewards None
Cash Advance Fee
U Boost None
U First None
U Rewards None
Convenience Fee
U Boost None
U First None
U Rewards None
Foreign Transaction Fee
U Boost 1.5%
U First 1.5%
U Rewards 1.5%
Late Payment per Occurrence
U Boost $29 first / $40 subsequent
U First $29 first / $40 subsequent
U Rewards $29 first / $40 subsequent
Over Limit Fee
U Boost None
U First None
U Rewards None
Replacement Fee
U Boost None
U First None
U Rewards None
Retrieval Fee
U Boost None
U First None
U Rewards None
Returned Payment
U Boost None Non-Rush, $35 Rush
U First None Non-Rush, $35 Rush
U Rewards None Non-Rush, $35 Rush
features
CardPerks Rewards3
U Boost N/A
U First N/A
U Rewards Up to 1.5% Cash Rewards
Used as Secured Line of Credit
U Boost Available
U First N/A
U Rewards N/A
EMV Chip Cards
U Boost Available
U First Available
U Rewards Available
Contactless Payments
U Boost Available
U First Available
U Rewards Available
Digital Wallet
U Boost Available
U First Available
U Rewards Available
Auto-pay
U Boost Available
U First Available
U Rewards Available
Visa® Secure
U Boost Available
U First Available
U Rewards Available
Card Controls
U Boost Available
U First Available
U Rewards Available
services & benefits
Roadside Dispatch®
U Boost Available
U First Available
U Rewards Available
Travel Emergency Assistance Services
U Boost N/A
U First N/A
U Rewards Available**
Cardholder Inquiry Service
U Boost Available
U First Available
U Rewards Available
Emergency Card / Cash Disbursement
U Boost Available
U First Available
U Rewards Available
Lost / Stolen Card Reporting
U Boost Available
U First Available
U Rewards Available
Visa® Luxury Hotel Collection
U Boost N/A
U First N/A
U Rewards Available**
Shipt
U Boost Available
U First Available
U Rewards Available
Sofar Sound
U Boost Available
U First Available
U Rewards Available
Rental Car
U Boost N/A
U First N/A
U Rewards Available**
Golf Benefits
U Boost N/A
U First N/A
U Rewards Available**
Sonoma Country Vintners
U Boost N/A
U First N/A
U Rewards Available**
Visa 24/7 Concierge
U Boost N/A
U First N/A
U Rewards Available**
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