Unitus Platinum Rewards Visa® Card

Want a card with zero fees and big rewards? You found it!
Apply Online

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 easily in uOnline for cash back, airline tickets, brand name merchandise, hotel stays, experiences and more!

Questions about Unitus Rewards?

  • Is there a cap on how many Unitus Rewards Points I can earn? — Nope!
  • Do my Unitus Rewards Points Expire? — Yes, after 3 years. So don’t forget to redeem them!

Visit our Rewards support center, or call 1-888-871-1681 with questions.

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!

Card Guard

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

Zero Fees

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

My Design Card

Personalize your debit or credit card with an image of your choice. It’s simple to do, and the result is uniquely you. Try it out!

Late Payments? No problem.

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

Google Pay, Samsung Pay, Apple Pay logos

Mobile payments

Securely store your Unitus debit or credit card details on your mobile device to make purchases quickly and easily.

Learn More

New Contactless Cards

Tapping to pay with your Visa contactless card is a safe, easy, and secure way to pay! And it helps you avoid touching surfaces at checkout.

Safe

Your Unitus Visa credit/debit card comes with 24/7 fraud monitoring and Zero Liability protection from Visa, so you won’t be held responsible for unauthorized card transactions.

Easy

Tap to pay at many of your favorite places like fast-food restaurants, grocery stores, pharmacies, vending machines and more. Just look for the Contactless Symbol Girl in a jacket at checkout.

Secure

Tap or hold your contactless card near the Contactless Symbol on the checkout terminal. (You may be asked to enter your Personal Identification number (PIN) for debit card transactions.)

Young family looking our the back of their SUV

Additional Benefits**

Competitive Rates

Platinum Rewards Visa Card

Credit Score

APR*

740+

7.99%

739-700

10.49%

699-660

10.99%

659-610

11.99%

609-560

13.49%

559 or below

15.49%

*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2020. 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 

Disclosures

*A FINANCE CHARGE will be imposed on the portion of purchases included in the new balance that remains unpaid 25 days after the closing date. This “grace period” allows you to avoid a FINANCE CHARGE on purchases for a billing.

**Additional benefits available only for Unitus Credit Cards, not Pre-Paid Visa or Visa Gift Cards.

****All utilities and subscription service purchases which are authorized and made between 9/1/21 and 11/31/21 will earn 2X rewards. Points will post within 30 days of promotion end date. All credit cards issued by Unitus Community Credit Union that earn Unitus Rewards points are eligible to earn Double Rewards Points for this promotion. Qualifying merchant category codes include Telephone Service (Cellular and Landline): 4814; Satellite/Cable/Internet/Streaming Services/Music Subscriptions: 4899; Natural Gas/Propane/Electric/Water/Wastewater: 4900. Purchases made at a merchant that does not process transactions under these codes will not qualify (may include discount stores). Your card account must be open and in good standing to earn Rewards. Rates, terms, and conditions subject to change without notice. Apple Music, Spotify, and Netflix are not sponsors or co-sponsors of this program.

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