Low Rate Credit Cards
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Transfer your credit card balances and save money!
Credit cards are a dime a dozen. Whether it's a balance transfer or secured card to build your credit, we cut the fluff to offer what matters - a simple low rate. With no hidden or big bank fees, get a quick approval today!
Find the right card for you on our quick and easy online or mobile-friendly application.
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U1 Platinum
This card is designed for convenience and everyday use. With a non-variable rate, you can build your credit score without big-bank hidden fees. Here are the advantages!
- $0 monthly fee
- $0 Balance Transfer Fee
- 24/7 Online Account Access
- Quick online pre-approval
- Roadside Dispatch
Open an Account
U1 Platinum Variable
Ideal for when prime interest rates go down and give you a chance to save on your monthly payments.
- $0 monthly fee
- $0 Balance Transfer Fee
- 24/7 Online Account Access
- Quick online pre-approval
- Roadside Dispatch
Open an Account
Visa Credit Card
| Type | APR (As Low As) |
| U1 Platinum |
8.92% |
| U1 Platinum Variable |
15.25% |
| *APR = Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. For U1 Platinum Variable, the APR may vary after the account is opened. |
eStatements for VISA Account Holders
Be sure to take advantage of eStatements for your U1 Credit Card. You'll skip the wait for paper statements and gain benefits like instant access, more security and convenience! Registration is free and only takes seconds to enroll. Login to your U1 Visa Online Account to register.
VAU Opt Out
Opt out of VISA Account Updater (VAU)
Need help on choosing a U1 Credit Card? Our dedicated member services can answer your questions and provide additional information! Send a chat message, email or give us a call.
memberservices@u1cu.org | 800-762-9555 opt. 5
APR = Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions vary based on creditworthiness. VISA Platinum Variable APR determined by adding a margin to the Prime rate and rate may vary after account opening. Margin based on individual creditworthiness. Maximum APR is 18%. This card is issued by Universal 1 Credit Union pursuant to a license from VISA U.S.A. Inc.
Hear what our Members are saying
“U1 is very helpful and friendly. I have been a member here for over a decade and can count on them for all my banking services. I have and do recommend them for financial needs.”
– Karen, U1 member since 2002
“Very helpful and friendly. I always recommend Universal 1 to friends and family. Excellent service.”
- Carol, U1 member since 2004
"They have been a blessing in my banking experiences. The online banking has been a lifesaver as far as I am concerned. For a senior citizen, I believe the ease of using the online banking is just wonderful. I have only had one bad experience in all the years of banking with U1 and that was with a manager. In the end it was eventually corrected to my satisfaction. Thank you for all you do!
- Virginia, U1 member since 1985
"You won't find better people and service anywhere else! The entire staff is very committed to making sure the members are cared for in any way possible"
- Phil, U1 member since 2018
"Rachel has been amazing to work with! She has been helping us improve our credit and has given us guidance and direction on our path to owning our own home."
- Felicia, U1 Member since 2020
