The United Federal Credit Union offers three Visa credit card options to potential cardholders. Whether selecting a Visa Classic, Gold, or Platinum, each card comes with a variety of perks through the Visa CardPerks Rewards program, reasonable APR rates, credit protection insurance, and access to an ATM network with no annual fees, low minimum payments, and easy balance transfers that allow users to switch their line of credit to the UFCU credit card.
All three cards come with Visa Purchase Alerts and protection. Through the Purchase Alerts, card holders can keep tabs on their account from anywhere with real-time alerts provided by Visa. These alerts help reduce fraud by monitoring the spending that takes place on a card and alerting any cardholders of suspicious activity that could lead to credit damage.
United Federal Credit Union credit cards offer a CardPerks Rewards program on both the Visa Gold and Visa Platinum card levels. Each of these cards offer the chance to earn one point for every $2 cardholders spend. These points are eligible to be traded in for a variety of rewards including round trip tickets on major airlines, cruise vacations, hotel packages, car rentals, and variety of retail gift cards and certificates. In addition to the reward points, card holders can also receive up to $500,000 in travel accident insurance on travel purchased with the card, extended collision damage coverage on car rental agreements, and extended warranty packages on manufacturer's warranties.
Cardholders will enjoy 25 days of interest-free grace periods on all purchase. This ensures that as long as a minimum payment is made, a cardholder then has 25 days before the purchase starts to accrue any interest. While this doesn't apply to balance transfers, this is a convenient way for card holders to have an extended period to work on paying off their credit card debts. Additionally, cardholders have no application or annual fees to worry about.
All cardholders are able to utilize the United Federal Credit Union Visa Cards network. This nationwide network allows users to obtain cash advances from their Visa at an ATM without paying an ATM fee.
Each credit card United Federal Credit Union offers comes with varying APR rates and minimum payment requirements. For the Visa Classic the APR rate compares very closely to the national average at 15.49 percent. The Visa Gold and Visa Platinum offer lower rates than the average at 13.49 percent and 10.49 percent respectively. Monthly payment minimums come in at a low $20 monthly, or 2 to 3 percent of the outstanding balance. Considering the higher dollar amount credit limits the Gold and Platinum offer, these rates and minimum payment requirements are very good for a credit card of this type.
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