Unitus Platinum Rewards Visa® Card

Want a card with zero fees and big rewards? Brilliant.
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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 3X Points

Earn 3X points on all your holiday purchases!

Use your Unitus rewards credit card for all of your purchases now through December 2, 2019 and earn TRIPLE POINTS! Whether you’re waiting in line for that coveted gift item on Black Friday, or someone at your Thanksgiving table forgot to bring the canned cranberry sauce and now you have to run to the store to buy more, earn triple points for it all!

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.

Pair of airline boarding passes
2X Points

Earn 2X points on all your travel purchases!

Use your Unitus rewards credit card for all your travel purchases now through January 7, 2020 and earn DOUBLE POINTS! Whether you’re jet-setting for an adventure in the mountains or to the beach for quality family time, earn double points for it all.

Young family looking our the back of their SUV

Additional Benefits**

Competitive Rates

Platinum Rewards Visa Card

Credit Score

APR*

740+

9.99%

739-700

12.49%

699-660

12.99%

659-610

13.99%

609-560

15.49%

559 or below

17.49%

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

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.

***All travel purchases which are authorized and made between 11/1/19 and 1/7/20 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 3000-3299 (airlines), 3351-3441 (rental cars), 3501-3835 (hotels/motels/inns/resorts), 4111 (local/suburban commuter passenger transportation, railroads, ferries, local water transportation), 4112 (passenger railways), 4131 (bus lines, including charters, tour buses), 4411 (cruise and steamship lines), 4457 (boat rentals and leases), 4468 (marinas, marine service, and supplies), 4511 (airlines, air carriers not listed elsewhere), 4582 (airports, airport terminals, flying fields), 4722 (travel agencies and tour operations), 7011 (lodging – hotel, motels, resorts, central reservation services), 7032 (sporting and recreational camps), 7033 (trailer parks and campgrounds), and 7512 (automobile rental agency). 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. Gift cards are not sponsors or co-sponsors of this program.

****All purchases which are authorized and made between 11/15/19 and 12/2/19 will earn 3X 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 Triple Rewards Points for this promotion. Your card account must be open and in good standing to earn Rewards. Rates, terms, and conditions subject to change without notice. Gift cards are not sponsors or co-sponsors of this program.

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