APR = Annual Percentage Rate. There is a USD 50.00 annual fee for VISA Elite. The introductory rate period for VISA Elite is six (6) months. Thereafter, the rate will vary with the market based on the Prime Rate. 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. The fully indexed APR is currently % for VISA Elite. Subject to credit approval. Advertised rate is subject to change at any time without notice. Granting credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted. View all credit card rates.


VISA Elite


6 Month Intro Rate


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  • Summary
  • Benefits
  • Resources

The VISA Elite card is designed for the mobile lifestyle. Members with a minimum gross annual income of USD 75,000 can apply for the VISA Elite card to enjoy all the premium benefits and protection for a low annual fee of USD 50.00*. Subject to credit approval.

Click on the Benefits tab for the full list of Elite advantages that include:
  • No foreign transaction fees* so you can shop around the world
  • Credit limit of up to USD 100,000
  • Chip and PIN for maximum security
  • Access to more airport VIP lounges in more locations worldwide
  • Global rewards program with 1% cash back redemption option
  • Compatible with Apple Pay for digital payments
  • No interest on purchases and balance transfers for the first six months of getting your new card* 

* View all credit card rates and fees

Guides to Credit Cards:

The VISA Elite offers:

  • No foreign transaction fees when you use your Elite credit card to shop outside the U.S. or to make purchases in a currency other than USD
  • 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 27.00 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
  • Complimentary trip interruption and cancellation insurance
  • Identity theft protection
  • Emergency cash & credit card replacement
  • Worldwide travel & emergency assistance
World-Class Travel Rewards and Benefits
  • Global rewards program with 1% cash back redemption option 
  • Double rewards for restaurant meals and groceries
  • Auto rental collision damage waiver
  • Acceptance at over 800,000 ATMs in over 140 countries
Convenience and Flexibility
  • 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
Using Your Chip Card

Our credit cards have an embedded chip that makes the card difficult to counterfeit.

To see how you can use your UNFCU credit card at chip enabled terminals:
  • 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
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  • Loan Amortization
    Enter your desired payment - and let us calculate your loan amount.
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