Unitus Platinum Rewards Visa® Card

Want a card with zero fees and big rewards? Brilliant.

Getting Carded Should Be a Compliment

You’re smart. You want a card that makes financial sense, just says no to fees, and also offers you rewards you can savor. The Unitus Platinum Rewards Visa card fits the bill, and we’re quite proud to offer it to our members. It costs you nothing—zilch!—to carry, and you earn rewards points for every dollar you spend. Redeem your points online for cash, travel, purchases and more. Plus, best of all—no hidden fees, gimmicks or teaser rates.

You Could Step on the Field at Super Bowl LIV

Use your Visa now through Nov. 15 and you could win tickets to Super Bowl LIV plus much more!

Earn Rewards

Earn one Unitus Rewards Point for every $1 in purchases, excluding returns and cash advances.

Digital Wallet

Enroll your Unitus Platinum Rewards Visa card in one of the Digital Wallet options!


Competitive Rates

The better your credit score, the lower your rates.

Zero Fees

No annual fee, over limit fee, or “no activity” fee. No balance transfer fee—transfer your high interest balances over now.

Late Payments? No problem.

There is no penalty rate for late payments. Fees do apply.

Card Guard

Protect your card on the go! Turn your card on/off, get transaction alerts, set spending limits and more!
Download the app.

Reward Yourself

We’re proud of our innovative rewards program:

  • Earn bonus points when shopping our online network of national and regional merchants
  • Redeem points for cash back, airline tickets, brand name merchandise, cruises and hotel stays, experiences and more
  • Easily redeem your points online by logging into uOnline

Questions about Rewards?

  • How do I redeem my Unitus Rewards Points?
  • What can I redeem my Unitus Rewards Points for?

Visit our Rewards support center, or call 1.888.871.1681 with questions.

Pair of airline boarding passes

Competitive Rates

Platinum Rewards Visa Card

Credit Score












559 or below


*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2019. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) »

View full rate details 

Hand holding customized Unitus card with Mt. Hood pictured on the card

My Design Card

Your Visa card says a lot about you. Personalize your debit or credit card with an image of your choice. It’s simple to do, and the result is uniquely you.

Learn more and get started

Hand inserting chip card into a retailer's chip card reader

Chip-Enabled Cards

Unitus is transitioning to a new card technology that uses an embedded microchip which is encrypted and provides stronger security and protection. To learn more about our fraud protection policies and this transition, visit our support center.

Need to replace a lost, stolen or damaged credit/debit card, quickly? Visit any Unitus branch and get a new chip-card instantly with our instant issue service. Just ask a Member Advocate for assistance. (Please note: This service is not available for Business cards.)

Detail of gas pump handle.

Get 2X points on gas purchases August through September!

Use your Unitus credit card for gas August 1 – September 30 and double your points.**

Interested in Improving Your Credit Score?

Use the Unitus Pathfinder to get tips on improving your credit score.

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