From simple everyday purchases to accessing worldwide VIP lounges, UNFCU gives members a choice. Whichever credit card you choose, each one offers a highly competitive introductory rate for purchases, cash advances, AND balance transfers. It's a combination of value and benefits you won't find anywhere - except UNFCU.

The World Traveler
The Savvy Shopper
The International Student

  
 
 

The World Traveler
Whether you travel for work or leisure, having the right credit card can make a world of difference. If you who travel often, we recommend the UNFCU VISA® Platinum Access credit card:[1]

  • VIP Airport Lounge Access [2]- Enjoy VIP comfort in over 450 airport lounges around the world - and ensure you arrive at your destination well rested and ready to go.
  • Concierge Service - Our Concierge can assist you with hotel and restaurant reservations, travel itinerary changes or visa and passport arrangements.
  • Travel Rewards Points - Each time you use your card you receive points towards future travel and merchandise -- for even greater access to the world.
The UNFCU Visa Platinum Access credit card also offers:

• Greater credit limits • Cash back rebates on all purchases
• Travel and Accident insurance • International extended purchase protection
• Convenience checks • A 0% introductory rate for three months. [3]

The UNFCU VISA Platinum Access Credit Card is more than just a credit card. It is your personal ticket to a new level of convenience, simplicity and peace of mind.

Click here to apply.

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The Savvy Shopper
You simply know how to shop smart. You know where the best stores are, how to spot a bargain, and when it makes sense to splurge. But does your credit card help to keep your finance charges and your minimum monthly payment low?

A UNFCU VISA Gold credit card makes managing your life easier – so grant yourself the power to meet your everyday needs today at a price you can afford.

A UNFCU VISA Gold, offers a wide range of exclusive benefits and services:

• No annual fee • Low APR [4]
• A 25-day grace period on purchases • Acceptance at over 800,000 ATMs in over 140 countries
• UNFCU VISA Credit Card Rewards Program , the rewards point program for UNFCU VISA credit cardholders
• US $0 liability protection from unauthorized use of your card[5]
• Automatic payments - make monthly payments or pay the entire account balance from your UNFCU savings or checking account or from a US financial institution
• Verified by VISA Internet transaction authentication service to safeguard against fraudulent use of your card at participating Internet merchants

Click here to apply.

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As a student, you have special credit needs – you need a credit card with the credit level you deserve and an interest rate you can afford. You need a credit card that can help establish a good credit history and helps you earn points for free merchandise.

UNFCU’s agenda is simple and clear - to give you the credit you deserve.

Our VISA Classic credt card is ideal for students who:

  • Want to establish a good credit history
  • Want basic credit card benefits with a low APR and no annual fee
  • Want to earn points towards free merchandise and gift certificates!

Enjoy these exclusive benefits of a UNFCU VISA Classic credit card:

• No annual fee • Low APR [4]
• Credit limit of up to US $10,000 for qualified members
• A 25-day grace period on purchases • Auto rental collision damage waiver
• Acceptance at over 800,000 ATMs in over 140 countries
• VISA Credit Card Rewards Program, the rewards point program for UNFCU VISA credit cardholders
• US $0 liability protection from unauthorized use of your card [5]
• Automatic payments - make the minimum monthly payment or pay the entire account balance from your UNFCU savings or checking account of from another US financial institution • Option to make payments and/or transaction inquiries through Telephone Banking or Internet Banking
• Verified by VISA Internet transaction authentication service to safeguard against fraudulent use of your card at participating Internet merchants


Click here to apply.

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1. A minimum gross household income of US $75,000 is required to qualify for a UNFCU VISA Platinum Access Credit Card.

2. Upon VISA Platinum Access approval, you will receive a Priority Pass™ card and a catalogue with conditions of use in the mail within one to two weeks. Priority Pass cards allow access to over 450 VIP lounges worldwide. UNFCU will pay for up to four (4) Priority Pass lounge visits per year per VISA Platinum Access™ account. For details pertaining to VIP lounges, please visit www.prioritypass.com.

3. The 0% APR (Annual Percentage Rate) for the Visa Platinum Access credit card is a three month introductory rate. The current indexed rate is 9.25% and may vary. The APR for the VISA Platinum Access card is subject to change based on the prime rate published in the Wall Street Journal on the last day of the preceding month plus a margin of 4.15%. There is a US $50 annual fee for the Visa Platinum Access credit card.

4. The introductory APR (Annual Percentage Rate) for new VISA Classic Credit Card and VISA® Gold Credit Card accounts is 5.90% and may vary after the first six (6) billing cycles. The current indexed rate for Visa Classic is 12.15% and 11.15% for Visa Gold. The APR is subject to change based on the prime rate published in the Wall Street Journal on the last day of the preceding month plus a margin. Creditworthiness will determine actual APR.

5. US $0 liability is subject to the terms of the UNFCU Visa credit card agreement.

Click on Disclosures to learn more.

Unless otherwise noted, fees may be associated with certain products and services. Certain UNFCU products and services are subject to approval. Federal and state laws may limit the availability of certain products and services in select areas. The granting of credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted.

© 2008 UNFCU and ‘Serving the People Who Serve the World’ are registered marks of United Nations Federal Credit Union. All rights reserved.


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