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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
TypeAPR (As Low As)
U1 Platinum 10.99%
U1 Platinum Variable 15.00%
*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.

CardValet: Manage your credit card

CardValet Card Management App

Set notifications, control spending limits or turn your U1 Credit Card on or off with the CardValet management app. Learn more or download the mobile app.

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.

SCHEDULE AN APPOINTMENT
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.

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Card Services

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Member Eligibility

U1 membership eligibility is available through many outlets. Find out how to become a
U1 member here.

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