Apply for a loan or credit card
- Sign in to Digital Banking.
- Under Account Services, select Apply for a Loan or Credit Card.
Discover the worldwide benefits UNFCU members enjoy
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Use your points around the world
Earn up to 5x points: Make digital wallet purchases using your Elite or Azure card in August and earn up to 1,500 extra points.*
Receive cash as a deposit to your checking or savings account, or as a statement credit.
Book flights to your favorite destinations on top-rated airlines such as Emirates.
Choose from hotels worldwide with no blackout dates.
Make a difference and donate to UNFCU Foundation or another charity.
Earn points even faster as a new Elite or Azure cardholder. Receive 10,000 bonus points when you spend $2,000 in your first four months — that’s equivalent to $100.
Choose from two options with features to make all your shopping more secure.
Points expire 36 months after they were earned. The expiration dates of your points are posted on Digital Banking and on your monthly statement.
Yes. Joint cardholders and authorized users earn points when they make purchases using their card. Your point balance is the total number of points accumulated by you, your joint cardholder, and any authorized users.
ShopSPOT rewards allow you to use your UNFCU credit card to shop online and in person to receive bonus points. You can view the current list of eligible merchants on the credit card rewards site accessible through Digital Banking.
Make digital wallet purchases using your Elite or Azure card and earn up to 1,500 extra points.*
Elite | Azure | |
---|---|---|
5x points | For every restaurant meal | For restaurants, online food deliveries, and groceries1 |
4x points | For groceries and online food delivery1 | For streaming services and transit2 |
3x points | For every $1.00 spent on everything else | For every $1.00 spent on everything else |
Disclosures
* From 1 August through 31 August 2024, every $1.00 of digital wallet purchases made using your UNFCU Elite or Azure card earns standard reward points plus two additional reward points. For example, Elite and Azure cardholders usually earn 3x the points for restaurant purchases. In August 2024, Elite and Azure cardholders using digital wallet for restaurant purchases will earn 5x the points. Members can earn up to 1,500 points as part of this limited-time offer, which equals $15.00. Once members reach 1,500 points, they will earn the standard reward points offered for every $1.00 spent using the Elite or Azure card. Earned reward points will appear on your credit card statement by September 2024.
Disclosures
* From 1 August through 31 August 2024, every $1.00 of digital wallet purchases made using your UNFCU Elite or Azure card earns standard reward points plus two additional reward points. For example, Elite and Azure cardholders usually earn 3x the points for restaurant purchases. In August 2024, Elite and Azure cardholders using digital wallet for restaurant purchases will earn 5x the points. Members can earn up to 1,500 points as part of this limited-time offer, which equals $15.00. Once members reach 1,500 points, they will earn the standard reward points offered for every $1.00 spent using the Elite or Azure card. Earned reward points will appear on your credit card statement by September 2024.