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
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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 |
New Exclusive Member Perks
Unlock more than just great rates. Your UMCU credit card is now your passport to exclusive travel, dining, and entertainment benefits.
UMCU Visa® Credit Card Perks
Booking.com
Plan your next getaway with ease and earn while you explore. UMCU cardholders can now access up to 8% in Travel Credits3 when booking accommodations through Booking.com.
How to Access
Use the exclusive link, sign in or create a Booking.com account, and pay with an eligible UMCU Visa® card.
OpenTable
Never miss out on the best flavors in town. With your UMCU card, you can unlock exclusive primetime reservations4 at the most sought-after restaurants via OpenTable.
How to Access
Complete eligibility verification with your UMCU Visa® card on OpenTable.
Sofar Sounds
Experience the magic of live music in a whole new way. UMCU cardholders now enjoy exclusive pre-sale ticket access5 to Sofar Sounds’ secret, intimate concerts.
How to Access
Validate your Visa® card at www.sofarsounds.com/visaoffer, select eligible shows, and use the same card for purchase.
Roadside Dispatch
All UMCU cardholders now have 24-hour access to roadside assistance. While there are additional costs for specific services, the dispatch support is available to our members whenever they need it.
How to Access
Simply call 1-800-847-2869! For more details on services provided and terms & conditions, view the disclosure.
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
In order to open an interest checking account with UMCU, you'll need the following:
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$5.00 deposit to open your account with the credit union. When you open your account online, we'll cover the $5.00 deposit for you!
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A valid form of identification
And that's it! We make the process as easy and convenient as possible!
To avoid a $8.00 monthly maintenance fee, remember to maintain a minimum balance of $500.00 in the interest checking account.
Disclosures
1Offer 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.
2Offer 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.
3Eligible U.S. and Canadian Visa cardholders can earn up to 8% in Travel Credits (max $230 per transaction) on qualifying hotel stays booked through the exclusive Booking.com link using their eligible Visa card. Credits are awarded only after the stay is completed and the supplier verifies checkout. No credits for no-shows or canceled bookings. Credits are deposited into the Booking.com Wallet 30–60 days after checkout (sometimes up to 64+ days). Credits can be redeemed for future stays, select flights, car rentals, attractions, taxis, and insurance on Booking.com where Wallet payments are accepted. Bookings paid with previously earned Travel Credits do not earn additional credits.Bookings must be made with the eligible Visa card and a Booking.com account is required. Exclusions: Flights, flight+hotel packages, car rentals, cruises, attractions, airport taxis, and bookings paid directly to third parties are not eligible. The offer is available starting 5/11/2025 and is subject to modification or cancellation without notice. The maximum reward is $230 per transaction.
4Cardholders may be required to complete eligibility verification with their Visa card on OpenTable. Eligibility is checked at card verification and every 24 hours when visiting OpenTable properties. If eligible, cardholders are granted access to the Visa Dining Collection OpenTable Benefit, which may include access to primetime reservations at participating restaurants. Cardholders must go through the verification flow to receive eligibility status notification. The benefit is subject to modification or cancellation without notice and is void where prohibited.
5From 10/17/2023 through 05/16/2027, eligible U.S.-issued Visa credit and debit cardholders can access an exclusive ticket presale window for select Sofar Sounds shows 7 days before the general public. Visa credit cardholders get unlimited access to the presale window and 1 free ticket per show with purchase. Visa debit cardholders get unlimited presale access and 2 free tickets per calendar year with purchase. Cardholders must validate their Visa card at www.sofarsounds.com/visaoffer and use the same card for ticket purchase. Free ticket offer cannot be combined with other offers or discounts. The offer is subject to modification or cancellation without notice and is void where prohibited.