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Credit Cards

At home or on the move, shop with confidence

Enhance your purchases with rewards, protection, and the flexibility to repay what you spend monthly or over time.* With a new UNFCU credit card, start with 10,000 bonus points.1

Elite

With $0 foreign transaction fees and access to airport lounges around the world, Elite makes every trip exceptional. 

Azure

Azure cardholders enjoy more reward points and robust protection for everyday purchases with no annual fee. 

Benefits included with all UNFCU credit cards

  • Star reward.

    Reward points

    Earn reward points with every purchase that you can use around the world.

  • Message alert.

    Fraud alerts

    Receive free alerts to notify you of suspicious activity on your card.

  • Safe.

    Zero Liability2

    Stay protected if your card is lost, stolen, or fraudulently used, online or offline.

Find the card that meets your needs

Elite Credit CardElite

Card details | Apply

Azure Credit CardAzure

Card details | Apply

Introductory offer

Elite

0.00% APR3 for the first six months & 10,000 bonus points1

Azure

0.00% APR3 for the first 12 months & 10,000 bonus points1

Current rate

Elite

17.24% APR3

Azure

17.99% APR3

Annual fee

Elite

$50.00

Azure

$0.00

Global rewards program (with cash back option)

Elite

Up to 3x points4

Azure

Up to 3x points4

Foreign transaction fees from Visa® (for purchases in non-USD currency or outside the US)5

Elite

$0.00

Azure

1.00%

Airport lounge access (enrollment required)

Elite

Five free visits annually to any participating lounge, with the option to purchase more

Azure

Visa price protection6

Elite

Azure

Visa return protection7

Elite

Azure

Visa cell phone protection8

Elite

Azure

Visa Signature® Luxury Hotel Collection

Elite

Azure

Visa concierge services

Elite

Azure

Visa travel accident insurance

Elite

Up to $500,000

Azure

Visa trip cancellation/interruption insurance

Elite

Up to $5,000

Azure

Visa lost luggage reimbursement

Elite

Up to $3,000

Azure

Visa travel & emergency assistance: Medical referral assistance, emergency translation, and lost luggage locator

Elite

Azure

Visa auto rental collision damage waiver

Elite

Azure

Visa pre-trip assistance: Information about health precautions, immunizations, and required travel visas

Elite

Azure

Visa extended warranty protection

Elite

Azure

Visa personal identity theft protection: Support to help cover expenses if your identity is stolen

Elite

Azure

Visa Zero Liability coverage2

Elite

Azure

Visa Purchase Security: Have purchases replaced, repaired, or reimbursed due to events such as fire or theft

Elite

Azure

Credit limit

Elite

Up to $50,0009

Azure

Up to $50,0009

ATM withdrawals

Elite

Up to $1,000 per day

Azure

Up to $1,000 per day

Identity theft protection with NortonLifeLock™
(enrollment required)

Elite

Azure

Digital wallet compatibility

Elite

Apple Pay®, Google Pay™, and Samsung Pay10 

Azure

Apple Pay®, Google Pay™, and Samsung Pay10 

Credit Life Protection

Elite

Azure

Apply for a UNFCU credit card

Check the status of your application at any time using Digital Banking.

Top credit card FAQs

Contactless cards use short-range proximity technology to complete payments between the card and a contactless terminal. Just tap your contactless card at the payment terminal. There is no need to insert or swipe your card.

Interest is applied to the average balance amount charged to your credit card each day of the billing cycle. This is called the average daily method.

You can have up to three authorized users and you can add anyone as an authorized user. Authorized users can use the card but are not responsible for balances on the credit card account. For this reason, it is important that you are careful about who you add to your card.

Elite cardholders do not pay foreign transaction fees. Azure cardholders pay foreign transaction fees according to our schedule of rates and fees (PDF).

Points expire 36 months after they were earned. The expiration dates of your points are posted on Digital Banking and on your monthly statement.

Resources to help you manage your card

Visit the Help Center
Financial Wellness

Debit vs credit cards

Credit & Debit Cards

Track card delivery status

Credit & Debit Cards

Report fraud or dispute a charge

Credit & Debit Cards

Set up & use a digital wallet

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