6-month Introductory Rate APR. APR = Annual Percentage Rate. The introductory rate period for VISA Elite is six (6) months. The introductory rate is available for new cardholders only and is applicable to purchases and balance transfers. Existing cardholders are not eligible for the introductory rate.

Current Rate APR. APR = Annual Percentage Rate. The APR is % for Elite. Our 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. Variable rate is subject to change at any time and without notice. Granting credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted.

Elite

VISA Elite

0.00
% †
APR

6 Month Intro Rate

9.90
% ‡
APR

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Elite

  • Summary
  • Benefits
  • Resources
Summary

With a credit limit of up to USD 100,000 as well as Chip and PIN technology for added security, the VISA Elite card provides a premium level of purchasing power, travel privileges, convenience, and insurance protection. Members with a minimum gross annual income of USD 75,000 can apply for the VISA Elite card to enjoy premium benefits and protection for a low annual fee of USD 50.

  • Pay no interest on purchases and balance transfers for the first six months of getting your new card.1 
  • Avoid additional fees and commissions for cross-border transactions. UNFCU does not add any markups beyond VISA’s standard rates.
Benefits

The VISA Elite offers: 

  • Access to over 700 airport VIP lounges worldwide—Enroll for the Priority Pass™ Select program to receive 5 free visits annually at any of the participating airport lounges regardless of your choice of airline, class of ticket, or airline membership status. After your 5 free visits, you will be charged USD 27 per person per visit. Airfare must be purchased on your UNFCU Visa Elite card to qualify for any of the 5 free annual visits at participating lounges.
  • Credit limit of up to USD 100,000 for qualified members
  • Concierge service
  • Lost luggage insurance of up to USD 3,000
  • Travel accident insurance of up to USD 500,000
  • No balance transfer fees
  • Complimentary trip interruption and cancellation insurance
  • Identity theft protection
  • Low interest rate
  • Emergency cash & credit card replacement
  • Worldwide travel & emergency assistance
  • International extended purchase protection
World-Class Travel Rewards and Benefits
  • Free rewards program 
  • Double rewards for purchases at restaurants and supermarkets
  • Auto rental collision damage waiver
  • Acceptance at over 800,000 ATMs in over 140 countries
Convenience and Flexibility
  • A 25 day grace period on purchases
  • Convenience Checks
  • Automatic payments: Make the minimum monthly payment or pay the entire balance from your  savings or  checking account or from another US financial institution
  • Make payments and/or transaction inquiries through:
Security You Can Depend On
Resources
Calculators
  • Credit Card Payoff
    See what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.
  • Currency Converter
    Find the latest currency exchange rates and convert all major world currencies with our currency converter.
  • Debt Consolidation
    Determine whether a debt consolidation loan is right for you.
  • Loan Amortization
    Enter your desired payment - and let us calculate your loan amount.
Related Services
  1. 6-month Introductory Rate APR. APR = Annual Percentage Rate. The introductory rate period for VISA Elite is six (6) months. The introductory rate is available for new cardholders only and is applicable to purchases and balance transfers. Existing cardholders are not eligible for the introductory rate.
  2. With your credit card, you are not responsible for unauthorized merchant transactions that are reported promptly (no later than 60 days after the statement date on which they appear). If your card (or card number) is ever lost or stolen, you are protected against unauthorized purchases. You must report your missing credit card immediately or notify us as soon as you detect any unauthorized activity. UNFCU reserves the right to not issue or re-issue your credit card if two (2) instances of fraud on any of your accounts were reported within a period of three (3) years, or if you fail to report a lost or stolen card in a timely manner.