Choosing the Credit Card that fits you!

1% Cash Back on Visa Balance Transfers!
You could be saving hundreds of dollars! If you've been thinking of saving money by transferring your balance onto a new lower interest rate card, now is the perfect time! For a limited time, when you transfer the balance of your credit card from another financial institution onto the one and only University of Michigan Credit Union Visa Platinum card, you will receive 1% cash back* with no balance transfer fees!

Whether you are looking for a lower interest rate card or one with a cash-back bonus, UMCU has a credit card that will fit your needs. Visa is the most widely accepted card available and can be used for traveling, shopping, or to take care of extra expenses. Take advantage of the security, flexibility, and convenience that come with a Visa card.

The Visa Platinum OptimUM offers an amazingly low interest rate of only 8.99% Annual Percentage Rate. So if you carry a balance or if you've been thinking about saving money by paying off those higher interest rate credit cards, this is the card for you! Plus, we'll help you close out those higher interest rate credit cards so you'll have one easy monthly payment.

The Visa Platinum Cash Rewards provides an annual cash back bonus of 1.10% on purchases and a low interest rate of 12.99% Annual Percentage Rate. This card provides the flexibility and rewards that you've been looking for!

  Visa Platinum OptimUM Visa Platinum Cash Rewards
Annual Percentage Rate (APR) 8.99% 12.99%
Cash Back No Yes - 1.10% on purchases
Annual Fee None None
Overdraft Option Yes Yes

Click here to view the Visa Platinum OptimUM Credit Card Disclosures and Agreement.

Click here to view the Visa Platinum Cash Rewards Credit Card Disclosures and Agreement.

*Offer of “1% Cash Back” applies during the promotional period of February 1, 2014 until April 30, 2014 for balances transferred from another financial institution, with no balance transfer fee. “1% Cash Back” will be paid into the savings account at the beginning of the month, following the 3 months after the balance transfer is made. In order to be paid the cash back bonus, the transferred balance cannot be transferred to another financial institution until after 3 months. Offer subject to credit approval. Applies for UMCU Visa OptimUM and Cash Reward Visa cards only. Membership fee of $5.00 may apply to join the credit union.

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