USES

U Rewards Visa® Signature from United Federal Credit Union Review

U Rewards Visa® Signature from United Federal Credit Union — all information about the credit card.

Updated December 19, 2023
Advertiser Disclosure Our Methodology
United Federal Credit Union U Rewards Visa® Signature
Apply now
Our Rating:
5 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for 12 months as of account opening
  • Regular APR:
    18.00% Variable
  • Balance Transfer APR:
    18.00% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Venture Rewards Capital One
Capital One Venture Rewards Credit Card
$95
Annual Fee
19.99% - 29.99%
Regular APR
5x
Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
Learn more
on our partner’s site
Capital One Walmart Rewards®
Capital One Walmart Rewards® Mastercard®
None
Annual Fee
19.48% - 29.99%
Regular APR
5%
Cash Back at Walmart.com, including pickup and delivery.
Learn more
on our partner’s site
Apply now

United Federal Credit Union U Rewards Visa® Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2%
All purchases
$
Have you already recieved the United Federal Credit Union intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 2% On all purchases.
  • Travel
    • Travel emergency assistance:
    • Provides help, primarily in medical emergencies during travel.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for 12 months as of account opening
  • Purchase APR
    • 18.00% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 12 months as of account opening
  • Balance Transfers APR
    • 18.00% Variable
  • APR for Cash Advances
    • 18.00% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after we mail your billing statement. You will not be charged interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, you will be charged interest on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • If your payment is made 5 or more days after your statement cycle closes, up to $29 for the first occurrence and up to $40 each if 2 or more occurrences occur within 6 months
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
  • No Foreign Transaction Fee
Cons:
  • High APR

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Payment Flexibility
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

United Federal Credit Union
United Federal Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Walmart purchases
Capital One Spark® Miles
Capital One Spark Miles for Business
4.11 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 26.24%
    Regular APR
  • 5x
    Miles on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Good credit score
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website

See Another Credit Cards in the Bank

United Federal Credit Union U Rewards Visa® Signature is an option for those, who need Classic features. With an APR of 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With United Federal Credit Union U Rewards Visa® Signature you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
3.91 out of 5
Recommended credit score
scorer
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 17.99% - 27.99%
    Regular APR
  • 10%
    You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site