USES

Secured Mastercard® from University Credit Union Review

Secured Mastercard® from University Credit Union — all information about the credit card.

Updated December 19, 2023
Advertiser Disclosure Our Methodology
University Credit Union Secured Mastercard®
Apply now
Our Rating:
4.23 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    9.00%
  • Balance Transfer APR:
    9.00%
Show more

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Secured Mastercard® Capital One
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All benefits

  • Travel
    • Travel Accident Insurance:
    • You get up to $250,000.00 of free coverage when you purchase your ticket on a major carrier using your University Credit Union Mastercard.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 9.00%
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 9.00%
  • APR for Cash Advances
    • 9.00%
  • 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. You will be charged interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • None
  • Penalty Fees
    • None
  • Return Payment
    • Up to $25
  • Late Payment
    • Up to $20
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

Platinum
Mastercard
  • Low interest
  • No Annual Fee
  • Poor Credit

About the issuer

University Credit Union
University 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

Secured Mastercard® Merrick Bank
Merrick Bank Secured Credit Card
3.2 out of 5
Recommended credit score
score
No Credit History to Poor (0-579)
  • $36
    Annual Fee
  • 22.70%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Merrick Bank‘s site
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.90%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site
Unsecured
Reflex® Platinum Mastercard®​ Celtic Bank
Reflex® Platinum Mastercard®
Celtic Bank
3.8 out of 5
Recommended credit score
score
No Credit History to Good (0-739)
  • $75 - $125
    Annual Fee
  • 35.90%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site

See Another Credit Cards in the Bank

University Credit Union Secured Mastercard® is an option for those, who need Platinum features. With an APR of 9.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With University Credit Union Secured Mastercard® you will get such features as Low interest, No Annual Fee, Poor Credit, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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4.23 out of 5
Recommended credit score
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    Annual Fee
  • 9.99%
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    Purchase Intro APR
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