Credit Card Overview
Low rates or cash-back rewards—UMCU VISA® credit cards are built for your lifestyle. No annual fees, just unbeatable perks. Find your perfect fit today!
UMCU Credit Card Options and Perks
Wherever your financial journey takes you, there's a UMCU VISA® to get you there. Compare the differences between our credit card offerings and discover which option is right for you!
VISA® PLATINUM OPTIMUM | VISA® PLATINUM CASH REWARDS |
|---|---|
As low as 8.99% Non-variable | As low as 12.99% Non-variable |
Low rate for easy payments | 1.10% cash back on every purchase; monthly |
No annual fee | No annual fee |
Can be linked to checking for overdraft protection | Can be linked to checking for overdraft protection |
27-day grace period for purchases | 27-day grace period for purchases |
Free VISA® $0 liability coverage | Free VISA® $0 liability coverage |
No fee balance transfers and cash advances | No fee balance transfers and cash advances |
Low payments – greater of $25 or 2% of balance | Low payments – greater of $25 or 2% of balance |
No penalty APR | No penalty APR |
Can be added to mobile wallet | Can be added to mobile wallet |
Not sure what to choose? Let us help.
Whether you're looking for a lower interest rate or a cash-back rewards program, UMCU offers two VISA® credit card options to suit your needs. Both provide maximum buying power, low fees, and advanced security features.
VISA® Platinum Optimum
- Rates as low as 8.99% APR* - the same starting APR from when this card launched in 2012
- No annual fee*
- No application fee
- Overdraft protection option
- No fee balance transfers and cash advances
- Easy access to your VISA on the mobile wallet
VISA® Platinum Cash Rewards
- 1.10% cash back on ALL purchases at ALL merchants
- Earn unlimited cash back every time you use your card - rewards never expire
- Non-variable rates as low as 12.99%* - the same low rate from when this card first launched in 2012!
- No extra steps to get your rewards - your cash back is automatically deposited into your savings every month
- No annual fee*, application fee, balance transfer fee, or cash advance fees
- Easily set up overdraft protection and sync your card to your mobile wallet
VISA® Platinum Optimum
- Rates as low as 8.99% APR* - the same starting APR from when this card launched in 2012
- No annual fee*
- No application fee
- Overdraft protection option
- No fee balance transfers and cash advances
- Easy access to your VISA on the mobile wallet
Both VISA® Platinum Optimum and VISA® Platinum Cash Rewards
VISA® Platinum Cash Rewards
- 1.10% cash back on ALL purchases at ALL merchants
- Earn unlimited cash back every time you use your card - rewards never expire
- Non-variable rates as low as 12.99%* - the same low rate from when this card first launched in 2012!
- No extra steps to get your rewards - your cash back is automatically deposited into your savings every month
- No annual fee*, application fee, balance transfer fee, or cash advance fees
- Easily set up overdraft protection and sync your card to your mobile wallet
Common Questions
Disclaimer
**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
**Offer subject to credit approval. APR as low as 12.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.