compare credit cards

We offer three fantastic personal credit cards. Whether you are just starting out and need to build your credit or if you are established and want to earn more with each purchase, there's a card for U.

United Member: Matt and Kaitlin, members since 1990 and 2009

best for you

compare personal credit cards from United.

U Boost Visa®

When you're getting started on your financial journey.

U Boost Visa Credit Card

The U Boost Visa® credit card with low credit limits and a fixed APR.

Apply Now

details
  • Card Limit $200 - $5,000
  • Rate 18.00% APR
  • Credit Level Poor / No Credit
  • Additional Benefit Secure line of credit

Learn More | Truth-In Lending Disclosure

U First Visa®

When you want a low rate.

U First Visa Credit Card

The U First Visa® credit card has a low rate and an even lower balance transfer rate.

Apply Now

intro bonus

Get 0% APR for 6 months

details
  • Card Limit $500 - $50,000
  • Rate 12.49% - 18.00% APR
  • Credit Level Good
  • Additional Benefit 2% less than purchasing rate on balance transfers

Learn More | Truth-In Lending Disclosure

U Rewards Visa® Signature

When you want to earn rewards.

U Rewards Visa Signature Credit Card

The U Rewards Visa® credit card lets you earn up to 2% cash rewards and Signature card benefits.**

Apply Now

intro bonus

Get 0% APR for 12 months
Start your account with $100 cash rewards

details
  • Card Limit $500 - $50,000
  • Rate 18.00% - 18.00% APR
  • Credit Level Outstanding
  • Additional Benefit Up to 2% cash rewards

Learn More | Truth-In Lending Disclosure

credit card benefits

Our credit cards come with great benefits.

low rates

  • new cardmember offers of 0% APR*
  • lower balance transfers APR*
  • up to 2% cash rewards*

* on select cards

fee freedom

  • no account fee
  • no balance transfer fee
  • and more

real benefits

  • debt protection
  • identity theft protection
  • Card Controls management app

flexible options

Have a business? Take a look at our business credit card options

comparison chart

Get the breakdown of what makes United credit cards different from one another.

U Boost Visa®
U First Visa®
U Rewards Visa® Signature
consider if...
U Boost is a great low-limit credit card option
U First you want to consolidate debt and avoid paying high interest rates while paying off large purchases
U Rewards you have an established credit and want to earn cash back for everyday spending
details
Card Limit
U Boost $200 - $5,000
U First $500 - $50,000
U Rewards $500 - $50,000
Rates1
U Boost 18.00% APR
U First 12.49% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Introductory Rate
U Boost None
U First 0% APR for 6 months on purchases and balance transfers
U Rewards 0% APR for 12 months on purchases and balance transfers
Introductory Bonus
U Boost None
U First None
U Rewards Get $100 cash rewards for the first $3,000 spent in 90 days
Cash Advance Rate*
U Boost 18.00% APR
U First 12.49% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Balance Transfer Rate

To transfer balances, you’ll need: copy of most recent statement, name of payee or credit card, mailing address, credit card number, and amount of payoff. Learn More
U Boost 18.00% APR
U First 10.49% - 18.00% APR
U Rewards 18.00% - 18.00% APR
Minimum Monthly Payment2
U Boost 2% of balance or $20, whichever is greater
U First 2% of balance or $20, whichever is greater
U Rewards 2% of balance or $20, whichever is greater
fees & penalties
Annual Fee
U Boost None
U First None
U Rewards None
Balance Transfer Fee
U Boost None
U First None
U Rewards None
Cash Advance Fee
U Boost None
U First None
U Rewards None
Convenience Fee
U Boost None
U First None
U Rewards None
Foreign Transaction Fee
U Boost 1.5%
U First 1.5%
U Rewards 1.5%
Late Payment per Occurrence
U Boost $29 first / $40 subsequent
U First $29 first / $40 subsequent
U Rewards $29 first / $40 subsequent
Over Limit Fee
U Boost None
U First None
U Rewards None
Replacement Fee
U Boost None
U First None
U Rewards None
Retrieval Fee
U Boost None
U First None
U Rewards None
Returned Payment
U Boost None Non-Rush, $35 Rush
U First None Non-Rush, $35 Rush
U Rewards None Non-Rush, $35 Rush
features
CardPerks Rewards3

The CardPerks Rewards program offers rewards for points earned. Points can be redeemed for cash back. Learn More
U Boost N/A
U First N/A
U Rewards Up to 2% Cash Rewards
Used as Secured Line of Credit
U Boost Available
U First N/A
U Rewards N/A
EMV Chip Cards

Chip-based transactions are the new security standard, widely used by more merchants every day. Learn More
U Boost Available
U First Available
U Rewards Available
Contactless Payments
U Boost Available
U First Available
U Rewards Available
Digital Wallet

Easily pay for purchases directly from your mobile device using Google Pay, Apple Pay, or Samsung Pay. Learn More
U Boost Available
U First Available
U Rewards Available
Auto-pay
U Boost Available
U First Available
U Rewards Available
Visa® Secure

Visa® Checkout lets you pay online, fast and securely, on any device. Learn More
U Boost Available
U First Available
U Rewards Available
Card Controls

Card Controls gives you personalized card access and information with a dedicated app to manage your cards. Learn More
U Boost Available
U First Available
U Rewards Available
services & benefits
Roadside Dispatch®
U Boost Available
U First Available
U Rewards Available
Travel Emergency Assistance Services
U Boost N/A
U First N/A
U Rewards Available**
Cardholder Inquiry Service
U Boost Available
U First Available
U Rewards Available
Emergency Card / Cash Disbursement
U Boost Available
U First Available
U Rewards Available
Lost / Stolen Card Reporting
U Boost Available
U First Available
U Rewards Available
Visa® Luxury Hotel Collection
U Boost N/A
U First N/A
U Rewards Available**
Shipt
U Boost Available
U First Available
U Rewards Available
Sofar Sound
U Boost Available
U First Available
U Rewards Available
Rental Car
U Boost N/A
U First N/A
U Rewards Available**
Golf Benefits
U Boost N/A
U First N/A
U Rewards Available**
Sonoma Country Vintners
U Boost N/A
U First N/A
U Rewards Available**
Visa 24/7 Concierge
U Boost N/A
U First N/A
U Rewards Available**



interested

Get a United Visa® credit card today and enjoy being a Member of a credit union who takes you seriously.

Apply for U Boost Apply for U First Apply for U Rewards

APR= Annual Percentage Rate.

* Interest-free grace period does not apply to cash advances.

** Based on a credit line of $5,000 or more

[1] Rates may vary. Rate offered determined by applicant’s creditworthiness. [2] Penalty fees may be added to payment. [3] Subject to CardPerks Program Terms and Conditions. View Terms and Conditions for more information.

Visa® Credit Card Agreement
Visa® Credit Card Truth-In-Lending Disclosure Statement
Visa® U Boost Credit Card Truth-In-Lending Disclosure Statement

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