
Credit Cards
Low rates or cash-back rewards, UMCU Visa® credit cards are built for your lifestyle. No annual fees, just unbeatable perks. Find your perfect fit today!
Compare UMCU Visa® Credit Cards
Visa® Platinum Optimum
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Visa® Platinum Cash Rewards
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Visa® Platinum Optimum
8.99%
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Visa® Platinum Cash Rewards
12.99%
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Visa® Platinum Optimum
N/A
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Visa® Platinum Cash Rewards
1.10% Cash Back on Every Purchase
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Visa® Platinum Optimum
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Visa® Platinum Cash Rewards
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Visa® Platinum Optimum
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Visa® Platinum Cash Rewards
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Visa® Platinum Optimum
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Visa® Platinum Cash Rewards
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Visa® Platinum Optimum | Visa® Platinum Cash Rewards |
Not sure what to choose? Let us help.
Whether you're looking for a lower interest rate or a cash-back rewards program, UMCU offers two Visa® credit card options to suit your needs. Both provide maximum buying power, low fees, and advanced security features.

Visa® Platinum Optimum
- Rates as Low as 8.99% APR
- No Annual Fee
- Overdraft Protection Option
- Fee-Free Balance Transfers & Cash Advances
- Digital Wallet Compatible
Related Resources
FAQs
**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
- Download a Mobile Wallet app on your smartphone.
- Add your UMCU credit card to the app.
- Use your mobile device to pay by tapping or swiping it against the store's payment terminal.
Disclaimer
*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
**Offer subject to credit approval. APR as low as 12.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.