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Wolverine Credit Card

Kid holding a Wolverine credit card

At Utah Community Credit Union, we are proud to be official partners with Utah Valley University (UVU). We understand the importance of showing school pride and supporting our local community. That’s why we are excited to introduce the Wolverine Credit Card, designed exclusively for UVU alumni and students.

With the UVU Credit Card, you can carry a piece of your university spirit wherever you go. The card features the distinctive UVU logo, colors, and mascot. The Wolverine Credit Card has two options: the 4-3-2-1 cash back Visa and the low rate visa.

4-3-2-1 Cash Back Visa

The 4-3-2-1 card is named for its rewards structure: 4% cash back on travel, 3% on gas, 2% on groceries, and 1% on all other purchases. This card works well for those who want to maximize their cash back rewards, especially in categories like travel and gas where expenses can add up quickly.

  • Pros of the 4-3-2-1 Card
    • Cash Back Rewards: The card’s tiered cash back system allows you to earn substantial rewards from your daily purchases such as gas and groceries. Additionally, you can earn 2% cash back at Costco and Sam’s Club!
    • No Annual Fee: With no annual fee, you can truly earn money while you spend without having to worry about additional fees.
    •  Low APR: The card offers a competitive APR as low as 18%.

To learn more about the cash back Visa click here: https://www.uccu.com/loans/personal/visa-credit-cards/cash-back-visa/ 

Low Rate Visa

  • Pros of the Low Rate Visa Credit Card
    • Low APR: The primary benefit of this card is the lower interest rate, which can save you money on carrying balances. With an APR as low as 12%, this card is an excellent option for those who want to keep interest charges to a minimum.
    • No Annual Fees: The absence of annual fees means you won’t have to worry about recurring charges eating into your budget.
    • No Balance Transfer Fees: If you have existing high-interest debt on other cards, you can transfer balances to this card without incurring extra fees.

To learn more about the low rate Visa click here: https://www.uccu.com/loans/personal/visa-credit-cards/lowest-rate-visa/ 

Tips on all Credit Cards

Maximize Your Credit Card Rewards for Holiday Shopping

The holiday season is upon us, and with it comes the joy of giving. As you embark on your holiday shopping, don’t miss out on the opportunity to maximize your credit card rewards. With a little strategic planning, you can turn your purchases into valuable rewards that can benefit you long after the holiday season has passed. Here’s how to make the most of your credit card rewards for holiday shopping:

Choose the Right Credit Card

Start by selecting a credit card that offers rewards that align with your holiday shopping goals. Look for cards with cashback, points, or miles that provide the most value for your spending habits. Many credit cards offer special promotions and increased rewards during the holiday season, so explore your options.

A good way to explore your credit card options is with services like NerdWallet. 

Understand Your Card’s Rewards Program

Familiarize yourself with the rewards program offered by your credit card. Know how you earn rewards, the redemption options available, and any specific terms and conditions. Credit card rewards can come in various forms, such as cashback, travel points, or merchandise discounts.

Take Advantage of Bonus Categories

Many credit cards feature rotating bonus categories that offer increased rewards for specific types of purchases during the holiday season. These categories often include department stores, online shopping, or dining. Be sure to activate these bonuses if required and maximize your rewards by shopping in these designated areas.

Stack Rewards with Special Offers

Explore special offers and discounts provided by your credit card company. Some cards offer additional cashback or bonus points when you shop at select retailers or use specific online portals. These offers can be a valuable way to increase your rewards.

Use Shopping Portals and Mobile Apps

Many credit card issuers have online shopping portals and mobile apps that provide extra rewards when you shop through them. These portals may offer exclusive discounts and additional cashback or points for your purchases.

Pay Your Balance in Full

One of the key strategies for maximizing credit card rewards is to pay your balance in full each month. This way, you won’t incur interest charges that can negate the value of your rewards. Responsible credit card usage is essential.

Maximizing your credit card rewards for holiday shopping is a smart way to make the most of your purchases. With a little planning and discipline, you can turn your holiday expenses into valuable rewards that benefit your financial well-being long after the holiday decorations have been put away. Enjoy your holiday shopping while making the most of your credit card rewards!The Low Rate Visa card prioritizes affordability and simplicity. It offers an APR as low as 12% and has no annual fees or balance transfer fees. This card is an excellent choice for individuals who have a lower credit score and aim to keep their credit card costs low

If you want to show your school pride, while saving money click this link to apply today!