United Federal Credit Union Credit Cards

We found 2 United Federal Credit Union credit cards. Read on to get more insights.

By Hanna Volkava
Updated December 01, 2024

Best Credit Cards in December 2024

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United Federal Credit Union U First Visa®
Annual fee:
$0
Regular APR:
12.99% - 18.00% Variable
Our Rating:
3.61
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    0% Intro APR for the first 6 months
  • Balance Transfer APR:
    12.99% - 18.00% Variable
  • Issuer name:
    United Federal Credit Union
  • Details:

    The United Federal Credit Union U First Visa® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 12.99% - 18.00%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • No rewards
  • Benefits:
    • $500 - $50,000 card limit;
    • Roadside Dispatch®;
    • Identity Theft Protection;
    • optional Credit Life and Disability Insurance available.
Card detail
United Federal Credit Union U Rewards Visa® Signature
Annual fee:
$0
Regular APR:
18.00% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on all purchases.
  • Intro Offer:
    • $100 When you spend $3,000 within the first 90 days.
  • Purchase Intro APR:
    0% Introductory APR for 12 months as of account opening
  • Balance Transfer APR:
    18.00% Variable
  • Issuer name:
    United Federal Credit Union
  • Details:

    The United Federal Credit Union U Rewards Visa® Signature Credit Card doesn't charge an annual fee.

    The Card offers a $100 bonus when you spend $3,000 within the first 90 days.

    The Card has a 0% introductory APR period for 12 months on purchases and balance transfers. After that, the variable APR is 18.00%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • High APR
  • Benefits:
    • $100 Bonus (when you spend $3,000 within the first 90 days);
    • 2% Cash Back on all purchases;
    • Travel emergency assistance;
    • 24/7 Signature World Concierge Service.
Card detail

How to Choose the Right United Federal Credit Union Credit Card?

Choosing the right credit card from a specific credit card issuer is quite difficult. Considering United Federal Credit Union, there are three steps that can make your decision process easier.

First and foremost, you are to figure out your credit score. It can vary from "Poor” to “Excellent”, and the higher your score is, the better United Federal Credit Union credit card offers and terms are available to you.

Then, you have to identify why you want a United Federal Credit Union credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to improve your credit, look for the ones with large grace period and no annual fee. If your goal is to avoid spending money on interest, United Federal Credit Union credit cards with the smallest interest and long intro offer are your option. In case you are looking for a credit card with cash, points, or miles rewards, pay attention to the rewards program offered by United Federal Credit Union.

Finally, compare the United Federal Credit Union credit cards you find the best for you, but weighing in all the aspects. In general, the perfect credit card has the following characteristics: low interest rate, long grace period, no fees, extended credit limit, the finance charge calculations include one billing cycle only, and large rewards and sign-up bonuses. You can easily compare United Federal Credit Union credit cards in the table below.

Side-by-Side Comparison of United Federal Credit Union Credit Cards

Card Name APR Annual fee Rewards Intro offer
U First Visa® 12.99% - 18.00% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • U Rewards Visa® Signature 18.00% Variable $0
  • 2% Cash Back on all purchases.
  • $100 When you spend $3,000 within the first 90 days.
  • Conclusion

    Today, United Federal Credit Union has a wide range of credit cards with numerous features, yet it’s important to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us