Choosing the right credit card can be challenging. Knowing which one truly fits your lifestyle is tough with so many options. Some cards promise big rewards but come with high fees or complicated terms. Others offer low rates but lack the benefits you need. At UCCU, we make it simple by offering three exceptional Visa credit cards: the Low Rate Visa, the 4-3-2-1 Everyday Visa, and the 4-3-2-1 Travel Visa. Whether you want to maximize rewards or minimize interest, we can help! Listed below are our credit cards.
1. Low Rate Visa: Keep your Costs Low
If you want to save money on interest, the UCCU Low Rate Visa is the way to go. This card is designed to provide the lowest possible rate on purchases and balance transfers. It’s a great choice if you:
Need to carry a balance from month to month
Are planning a big purchase and want to pay it off over time.
Want to consolidate debt from higher-interest credit cards.
The Low Rate Visa makes it easier to manage your finances without worrying about high fees.
2. Everyday Cash Back Visa: Maximize Your Rewards
For members who want to get the most out of their spending, the UCCU 4-3-2-1 Everyday Cash Back Visa is a fantastic option. This card rewards you for everyday purchases with competitive rates. Here’s a breakdown:
4% on subscriptions, including utilities
3% on gas, ideal for your daily commute or road trips.
2% on groceries, including bulk shopping at Costco and Sam’s Club.
1% on everything else, so no purchase goes unrewarded.
These rewards can quickly add up, putting more money back in your pocket. This card is perfect for members who pay off their balance each month and want to maximize the value of their purchases.
3. Travel Cash Back Visa: Our Best Travel Card
For members who want to get the most out of their travel, the UCCU 4-3-2-1 Travel Cash Back Visa is a fantastic option. This card rewards you for travel purchases with competitive rates. Here’s a breakdown:
4% on Travel
3% on gas, ideal for your rental cars or road trips.
2% on restaurants, wherever you want to eat out!
1% on everything else, so no purchase goes unrewarded.
$50 Annual Fee
These rewards can quickly add up, putting more money back in your pocket making your trips earn you money! This card is perfect for members who pay off their balance each month.
Finding the Right Credit Card for Your Needs
Apply today to find out which card fits your lifestyle best and start enjoying the benefits of smart, straightforward credit.
Credit cards are more than just convenient; they’re powerful tools for managing your finances. A credit card can help you build a strong credit history, which is essential for future financial milestones like buying a car or a home. They also offer added protection for purchases, fraud protection, and easy ways to track spending. When you choose a card with the right benefits, you can save money and enjoy perks that match your lifestyle.
With EMV chip technology and Visa’s ZERO Fraud Liability policy, your UCCU credit card offers top-notch security. The chip adds an extra layer of protection for in-person purchases, and the ZERO Fraud Liability policy ensures you won’t be responsible for any unauthorized charges if your card is lost or stolen, giving you peace of mind.
Works with Your Mobile Wallet
Our cards work with various digital payment options to make your life easier. You can use convenient services like Apple Pay, Google Pay, Samsung Pay, Visa Checkout, PayPal, and more. These payment methods are fast, secure, and let you shop online or in stores without needing to carry your physical card everywhere.
Comes with NO Surprises
Our credit cards come with no surprises, so you can feel confident using them. That means no unexpected rate hikes to catch you off guard, no or low annual fees to worry about, and no balance transfer fees to slow you down. With clear terms and straightforward benefits, you’ll enjoy a stress-free and reliable credit card experience.
Frequently Asked Questions
How do Credit Cards Work?
Credit cards allow you to make purchases on credit, with a set credit limit based on your creditworthiness. Paying the full balance by the due date avoids interest charges, while carrying a balance incurs interest. Make at least the minimum payment by the due date to avoid fees. Using a credit card will grow your credit history as well as allow you to earn rewards and benefits based on each credit card.
Which Credit Card is Right for Me?
We offer two credit cards designed to meet your needs!
Cash Back Cards: If you want to earn rewards while spending, the UCCU Cash Back Visa Cards are perfect. It provides They provide rewards based on your purchases. Either everyday rewards, or rewards based on travel.
Low Rate: If you want to save money on interest, the UCCU Low Rate Visa is a great option. With its consistently low-interest rate on purchases and balance transfers, this card is ideal for managing large purchases or consolidating higher-interest debt.
A good place to start is by paying your bills on time–this is one of the biggest factors in your credit score. Keep the amount you owe low, using less than 30% of your credit limit. It’s also a good idea to avoid opening too many new credit accounts simultaneously, since that can temporarily lower your score. Check your credit report regularly on UCCU’s Credit Score Toolbox to make sure everything is accurate, and if you spot any mistakes, fix them immediately. You can grow a stronger credit score with these steps and smart use of your UCCU credit card.
If you are looking to elevate your credit, check out Credit Builder, an innovative loan product to help build or rebuild your credit score.
Is there a Cap on Cash Back Rewards?
There’s no limit on how much cashback you can earn with the UCCU Cash Back Visa Cards. Your rewards are unlimited on the rewards. As long as your account stays in good standing, your cashback earnings will continue to grow without restrictions.
How Does the Low Rate Visa Differ From the Cash Back Visa Cards?
We designed these cards to meet different needs. The UCCU Cash Back cards are great if you want to earn rewards on daily purchases, like travel, gas, and groceries. It works best for people who pay off their monthly balance and want to maximize their spending. On the other hand, the UCCU Low Rate Visa is all about saving money. With a low-interest rate on purchases and balance transfers, it’s a good choice if you need to carry a balance or pay off debt from other credit cards with higher rates.
Are There any Security Features Included with These Credit Cards?
Keeping your money safe is a top priority. Both the Low Rate Visa as well as the 4-3-2-1 Cash Back Visa Cards come with strong security features. If someone makes a charge you didn’t approve, fraud protection and our zero-liability policy mean you won’t have to pay for it. The cards also have chip technology for extra security when you shop in person. Plus, with UCCU’s CardApp, you can lock and unlock your card immediately if you lose it. You’ll also get real-time alerts to keep track of your spending and stay in control.
Why Choose UCCU?
We believe in providing credit cards that truly work for you. The Cash Back Visa Cards and Low Rate Visa come with transparent terms, valuable benefits, and no hidden surprises. Plus, both cards include advanced security features, like fraud protection and instant card lock through the UCCU app. Whether you want to earn rewards or save on interest, we’re here to help you achieve your financial goals.
Apply today to find out which card fits your lifestyle best and start enjoying the benefits of smart, straightforward credit.
The Cash Back Visa Cards let you earn purchase rewards, making it a great choice for frequent travelers, drivers, and shoppers. On the other hand, the Low Rate Visa is ideal for saving money and reducing financial stress, whether you’re paying off debt or need a simple card for everyday use.
We’re here to help
Call or Text
(801) 223-8188 Mon – Fri: 8:00 am – 6:00 pm Sat: 9:00 am – 2:00 pm
*APR = Annual percentage rate. Variable APR ranges from 11.00% to 17.50% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 1% foreign transaction fee. Federally insured by NCUA.
4321 Cash Back Visa Credit Card:
*APR = Annual percentage rate. Fixed 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 1% foreign transaction fee. Federally insured by NCUA.
