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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!

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Our Credit Card Options

Visa® Platinum Optimum Visa® Platinum Cash Rewards
Visa® Platinum Optimum

The Low-Rate Option

While other credit cards charge over 20.00% APR on average, UMCU's Visa® Platinum Optimum offers one of the lowest interest rates available, starting at just 8.99% APR1. It's a smart, affordable way to manage your spending and build credit with confidence.

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  • Enjoy Rates as Low at 8.99% APR1
  • No Annual Fee
  • No Balance Transfer & Cash Advance Fees

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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

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and credit card resources.
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FAQs

Please reach out to our Solutions Department as soon as possible. We understand that life happens, and our team is here to work with you to find a manageable path forward. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you. 
We encourage you to contact our Solutions Department even before a payment is missed. Whether you are facing a change in employment or an unexpected expense, our experts can review your account and discuss proactive options to help protect your credit and ease your financial stress. At UMCU, we are in your corner and committed to helping you navigate these transitions with confidence. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you.
We’re happy to provide FREE financial counseling to help get you back on track after a financial hardship! Visit our contact us page to schedule an appointment with a financial wellness expert. 
UMCU offers free, confidential, one-on-one financial counseling to members either in person or via telephone. These sessions are customized to your individual situation, and will always include a review and analysis of the monthly budget. Financial counselors are able to help members with credit issues, identifying options for debt management, and strategies to reduce expenses while increasing savings. The goal is to regain better control over the day-to-day finances, while also putting an emphasis on longer-term, sustainable financial health. Give us a call or schedule an appointment today!
In some situations, exploring a debt consolidation loan could be a viable option. If you find yourself with multiple unsecured debts, and many at high interest rates, a personal loan or a UMCU Visa® for debt consolidation could allow you to pay-off those debts with one new loan at a lower interest rate. It helps with getting the bills organized, and it can also save you money. UMCU’s My Choice Loan provides competitive rates and an easy application process. Credit is a factor, as is monthly income, so talk to a UMCU Member Service Representative today.
Yes, UMCU offers free monthly workshops that are designed to provide you that essential financial education to help build your knowledge and confidence. Topics rotate throughout the year, and workshops are offered at various times to accommodate schedules. Click here to view our upcoming webinars.
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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.