How to Choose the Right University Credit Union Credit Card?
Sometimes, choosing the right credit card from a specific credit card issuer is quite difficult. Considering University Credit Union, the three following steps will make your decision process easier.
First and foremost, you are to figure out your current credit score. It varies from "Poor” to “Excellent”, and the higher your score is, the better University Credit Union credit card offers and terms are available to you.
Secondly, you need to identify why you want a University Credit Union credit card and determine key aspects your potential credit card should have. If you want a credit card to increase your credit score, then look for the ones with large grace period and no annual fee. If your aim is to avoid spending money on interest, University Credit Union credit cards with the lowest interest and introductory rates are your option. In case you need a credit card that will provide you cash rewards, pay attention to the rewards program the University Credit Union offers.
As a third step, try tocompare the University Credit Union credit cards you think are the best for you, but weighing in all the aspects. In general, the best credit card meet the following characteristics: low annual percentage rate (APR), long grace period, no fees, high credit limit, and numerous rewards and sign-up bonuses. You can easily compare University Credit Union credit cards in the table below.
Side-by-Side Comparison of University Credit Union Credit Cards
Card Name
| APR
| Annual fee
| Rewards
| Intro offer
|
---|
Traditional Mastercard®
| 15.99%
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
Secured Mastercard®
| 9.00%
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
Rewards Mastercard®
| 12.75% - 17.99% Variable
| $0
| 2x Points for every dollar spent on purchases at gas stations, grocery stores, and pharmacies.1x Points on all other purchases. | 2,500x Bonus points when you charge $1,000 in the first three months after opening your new account. |
Conclusion
University Credit Union has a range of credit cards with different features, yet it’s important to find the one that will be the best for you.