Unitus Platinum Rewards Visa® Card

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

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.

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 Unitus Rewards?

  • How do I redeem my Unitus Rewards Points? — Simply log into uOnline to get started!
  • 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.

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Google Pay, Samsung Pay, Apple Pay logos

Mobile payment options now available!

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

Learn More
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Additional Benefits**

Competitive Rates

Platinum Rewards Visa Card

Credit Score

APR*

740+

9.49%

739-700

11.99%

699-660

12.49%

659-610

13.49%

609-560

14.99%

559 or below

16.99%

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

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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.)

Interested in Improving Your Credit Score?

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

See how to improve your credit score

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.

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