Credit Card perks to enhance your life


Maybe you want a credit card that offers great rewards or cash back. Maybe you want one that helps to build or repair your credit. Our University Credit Card comes with our Best Rates in the Nation Guarantee,* ensuring you get the best options for whichever card you choose.


Get all the details about our cards by reading the full credit card agreement and truth-in-lending disclosure.


Compare our rates to the competition

Our lowest credit card rate is at least 20% better than the closest competitor!

Institution Rate

University Credit Card

12.99%–23.99% APR1

Bank of America BankAmericard® 16.24%–26.24% APR1
Wells Fargo ReflectSM Card 18.24%–29.99% APR1
Citi Simplicity® Card 19.24%–29.99% APR1
Chase Freedom Unlimited® Card 20.24%–28.99% APR1

SubPage Categories

Cash Back Credit Card

Enjoy the card that pays you back for every purchase.

  • Unlimited cash back on all your purchases
  • No annual fee
  • No foreign transaction fee
Rewards Credit Card

Make shopping more fun by earning while you spend.

  • Earn 2 points for every $1 you spend
  • Redeem your points for travel, gift cards, merchandise, and more
  • No annual or foreign transaction fees
University Credit Card

Nothing's better than saving money on interest charges. And this card is a total master at that craft.

University Share Secured Credit Card

Life has its ups and downs. But this card is designed to help your credit rating go nowhere but up.

  • Minimum $500 credit limit
  • Low, fixed annual percentage rate
Official Partner Cards

Show your university pride.

  • Our cards are designed with you in mind, featuring iconic imagery and athletic logos.

Report a Lost or Stolen UCU Credit Card

Within U.S. – 888.241.2510

Outside U.S. – 909.941.1398

Account Information (during UCU's business hours) – 424.320.4700

Member Testimonial

"As a recent college graduate, I was very nervous about purchasing my first car. Luckily UCU made it a  very simple, efficient and easy-going process that left me with all my questions answered."

- Joel O. 

Higher education requires a lot of dedication.

You handle the classes, and we’ll help with financing.

Start Now

Higher education requires a lot of dedication.

You handle the classes, and we’ll help with financing.

Start Now


We have an abundance of answers and we’re always happy to dispense them freely.

Contact Us