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Credit Cards - Los Angeles, California, United States

Credit cards

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. UCU has you covered.

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

University Credit Card

University Credit Card

  • Perfect for daily spending
  • Comes with our Best Rates in the Nation Guarantee
  • Switch high-interest balances to your new card and save
Rewards Credit Card

Rewards Credit Card

  • Earn 2 points for every $1 spent with no limit2
  • Redeem points easily on the CU Rewards website
  • Redeem for travel, merchandise, eCertificates, gift cards, Mastercard® prepaid cards, and more
Cash Back Credit Card

Cash Back Credit Card

  • 3% cash back3 for the first 6 months, and 1.5% cash back after that
  • No restrictions on how much you can earn
Share Secured Credit Card

Share Secured Credit Card

  • Fixed interest rate and no over the limit fees
  • Build credit with regular, on-time payments
  • Savings deposits continue to earn interest while being used as collateral
Partner Credit Cards

Partner Credit Cards

  • Designed with iconic imagery and athletic logos
  • Select your choice of card during card application process
  • Debit cards, rewards, and cash back credit cards that show school spirit 
Report a lost or stolen card

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.

Latest Resources

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Virtual assistant

Royce, our AI-powered virtual assistant, is always available to provide you with assistance and guidance.  
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Learn how to safeguard your account and card information from scammers and fraudsters.
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Blogs

Blogs

Master topics from credit scores to credit card rewards and learn how to grow your wealth.
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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

Get started building or rebuilding your credit history today.
Learn More about Share Secured Credit Card

Rewards Credit Card

Make shopping more fun by earning while you spend.

Learn More about Rewards Credit Card

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