Unitus Platinum Rewards Visa® Card

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

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.

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.


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.


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 Contactless Symbol at checkout.


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.)

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, 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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