University Credit Union Credit Cards

We found 3 University 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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University Credit Union Traditional Mastercard®
Annual fee:
$0
Regular APR:
15.99%
Our Rating:
2.97
scorer
Credit score
Good to Excellent (670-799)
  • Balance Transfer APR:
    15.99%
  • Issuer name:
    University Credit Union
  • Details:

    The University Credit Union Traditional Mastercard® Credit Card doesn't charge an annual fee.

    The APR for purchases is 15.99%.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Travel Accident Insurance;
    • Worldwide acceptance and ATM access.
Card detail
University Credit Union Secured Mastercard®
Annual fee:
$0
Regular APR:
9.00%
Our Rating:
4.23
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    9.00%
  • Issuer name:
    University Credit Union
  • Details:

    The University Credit Union Secured Mastercard® Credit Card doesn't charge an annual fee.

    The Card's APR is 9.00%.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Travel Accident Insurance;
    • Worldwide acceptance and ATM access.
Card detail
University Credit Union Rewards Mastercard®
Annual fee:
$0
Regular APR:
12.75% - 17.99% Variable
Our Rating:
4.18
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points for every dollar spent on purchases at gas stations, grocery stores, and pharmacies.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 2,500x Bonus points when you charge $1,000 in the first three months after opening your new account.
  • Balance Transfer APR:
    12.75% - 17.99% Variable
  • Issuer name:
    University Credit Union
  • Details:

    The University Credit Union Rewards Mastercard® Credit Card earns 2,500 points when you charge $1,000 in the first three months after opening your new account. The Card offers 2x points for every dollar spent on purchases at gas stations, grocery stores, pharmacies and 1x point on all other purchases.

    The Rewards Mastercard® doesn't charge an annual fee.

    The APR for purchases is 12.75% - 17.99 Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 2,500 points (when you charge $1,000 in the first three months after opening your new account);
    • 2x points for every dollar spent on purchases at gas stations, grocery stores, and pharmacies;
    • 1x point on all other purchases;
    • Travel Accident Insurance.
Card detail

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.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us