Compare Credit Cards | Michigan Credit Cards

Save with a lower interest rate, or choose to earn cash-back rewards.

Choose between two Visa credit cards from UMCU, one that features a lower interest rate and the other that rewards you with a cash-back program. Both options offer maximum buying power, low fees and high-tech security.

UMCU Credit Cards

VISA Platinum Optimum LEARN MORE	Visa Platinum Cash Rewards LEARN MORE
As low as 8.99% Non-variable	As low as 12.99% Non-variable
Low rate for easy payments	1.10% cash back on every purchase; monthly
No annual fee	No annual fee
Can be linked to checking for overdraft protection	Can be linked to checking for overdraft protection
27-day grace period for purchases	27-day grace period for purchases
Free VISA $0 liability coverage	Free VISA $0 liability coverage
No fee balance transfers and cash advances	No fee balance transfers and cash advances
Low payments – greater of $25 or 2% of balance	Low payments – greater of $25 or 2% of balance
No penalty APR	No penalty APR
Can be added to mobile wallet	Can be added to mobile wallet
Visa Platinum Optimum Disclosure	Visa Platinum Cash Rewards Disclosure

Offer subject to credit approval. APR as low as 8.99%; 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.

VISA Credit Card Options to Fit Your Unique Needs.

UMCU offers credit card options with competitive rates, no annual fee, and the added security of EMV-chip technology. Start saving money and earning rewards today with our VISA credit card options.

VISA Platinum Optimum keeps interest charges in check with one of the lowest rates available.
VISA Platinum Cash Rewards puts money back in your pocket every time you make a purchase.

Credit Card Designs