Credit cards
Credit card perks to enhance your life
Our credit cards ensure you get the best options for whichever card you choose.
- Cash back credit cards for more savings
- Rewards credit cards to put fun back in shopping
- Share secured credit cards to help you build credit
- University Credit Card for daily spending comes with our Best Rates in the Nation Guarantee*
- University partner cards for school representation
Compare our rates to the competition
Our lowest credit card rate is at least 22.2% better than the closest competitor!
INSTITUTION | RATE |
---|---|
University Credit Card | 12.24%-23.99% APR1 |
Bank of America BankAmericard® | 15.74%-25.74% APR1 |
Wells Fargo ReflectSM Card | 17.74%-29.49% APR1 |
Citi Simplicity® Card | 18.74%-29.49% APR1 |
Chase Freedom Unlimited® Card | 20.24%-28.99% APR1 |
Choose the right card for you
Report a lost or stolen card
If your debit card is lost or stolen, please contact us immediately to order a replacement card, Replacement cards will arrive in 7-10 days, not including Sundays.
Within U.S.
888.241.2510
Outside U.S.
909.941.1398
Account Information (during UCU's business hours)
424.320.4700
Frequently asked questions
We have answers to your questions.
- How do I apply for a credit card from University Credit Union work? Click On How do I apply for a credit card from University Credit Union work?
Applying for a UCU credit card is easy. Once you are a member-owner you can apply for any UCU credit card online, and we’ll get you an approval answer quickly.
- What benefits does the UCU Cash Back Credit Card offer? Click On What benefits does the UCU Cash Back Credit Card offer? The UCU Cash Back Credit Card can be used at any retailer who accepts Mastercard®. You can earn 3% cash back for the first six months that you have the card and 1.5% thereafter. Every month, we’ll calculate your cash back and deposit it automatically into your primary UCU checking account, so you’ll have access to your earnings right away.
- Why would I choose a UCU Rewards Card? Click On Why would I choose a UCU Rewards Card?
The UCU Rewards Credit Card lets you earn points for every dollar spent and redeem them for specific rewards at a later point. You can earn 2 points for every qualifying dollar spent and redeem your rewards easily via the CU Rewards website.
- Who is the UCU Share Secured Credit Card best for? Click On Who is the UCU Share Secured Credit Card best for? Using your University Share Secured Credit Card carefully can help you build new credit or improve low credit scores as you pay each bill promptly for positive credit reporting. It’s best for people with no or low credit trying to establish a credit history or increase their credit score.
- Will using a credit card affect my credit? Click On Will using a credit card affect my credit? Using your UCU credit cards can positively affect your credit. For best results, don’t carry a maxed-out balance, use around 30% of your limit, and always pay your minimum payment on time. You can track how your credit score is doing using our Credit Journey tool.
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*UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global.
1APR = Annual Percentage Rate. Rate comparisons conducted by University Credit Union and are based on competitor information compiled on November 8, 2024. Rates subject to change. See the online credit card application for details about terms and conditions. Subject to credit approval. Approval is based on several factors, including borrower's credit history. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. Our comparisons include similar types of cards to give the best range, but cards and offerings vary. To confirm terms, conditions, benefits, and rates, please visit each provider's website for the most up-to-date information.
2Rewards Credit Card offers a generous 2 points per dollar spent on net new purchases (purchases less any credits, returns, disputed billing items, and adjustments). Cash advances, balance transfers, fees, finance charges, checks, or other transactions that we determine not to be eligible used to access your account will not earn rewards points. Not all members will qualify. There is no limit on the rewards points you can earn each month. Any determination of qualifying transactions and exceptions for rewards points is at the sole discretion of UCU. UCU reserves the right to verify and adjust rewards points at any time prior to or following point posting and redemption. Points are not earned until they appear on the billing statement. If the Rewards Credit Card account is closed, all points not redeemed will be lost. Rewards points are not transferable. UCU may change or terminate the Rewards Program at the credit union's discretion at any time, with or without prior notice except where required by law.
3Cash Back Credit Cards in good standing will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns and adjustments). Cash advances and balance transfers will not earn rewards. Cash back rewards will be deposited to the member's primary checking account on the first of the month. A checking account and enrollment in eStatements are required to qualify for cash back rewards. If the monthly amount of cash back earned is negative, the negative amount will carry over and be deducted from future cash back rewards. The 3% cash back promotional offer is available on new credit card loans only. Members will earn 3% cash back on all net purchases made within the first 6 months of opening a Cash Back Credit Card or until a total of $10,000 in combined purchases is reached, whichever occurs first. After the promotional offer expires, all net purchases will earn 1.5% cash back. There is no maximum amount of cash back rewards that can be earned on net purchases at the standard rate.
Share Secured Credit Card
Rewards Credit Card
Make shopping more fun by earning while you spend.