Credit Cards

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. All our credit cards come with our Lowest Loan Rates in the Nation Guarantee* ensuring you get the best value 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 40% better than the closest competitor!

Institution	Rate
University Credit Card	7.74%–21.74% APR¹
Bank of America BankAmericard^®	12.99%–22.99% APR¹
Wells Fargo Reflect^SM Card	12.99%–24.99% APR¹
Citi Simplicity^® Card	14.74%–24.74% APR¹
Chase Freedom Unlimited^® Card	14.99%–23.74% APR¹

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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.

Lowest Loan Rates in the Nation Guarantee*
Competitive variable annual percentage rate (APR)
Easy minimum payments

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.