Credit Card

Your Automatic Monthly Cushion

With a USECU Credit Card, you’ve got options and a little bit of extra cushion in your monthly budget. Lock in a low rate now and borrow just what you need, when you need it most.

  • Rates start as low as 9.9% APR1
  • Generous credit limits
  • Quick access to funds when needed
  • Overdraft protection for checking
  • Zero balance transfer or cash advance fees
  • Lower rate than other major credit cards
  • No annual fees
  • Only pay interest on the funds you actually borrow
  • Low payments (minimum payments are 3% of the balance)

We strive to be your one-stop shop for all your financial needs for both saving and borrowing money. With our competitive credit card rates and credit limits, a USECU credit card can be just what you need for your day-to-day expenses.

1 APR is Annual Percentage Rate. Rates are based on creditworthiness and are subject to change without notice.

Visa Platinum Benefits

Annual Fee No
Annual Percentage Rate (APR) 9.9% - 12.9%
Grace Period 25 day interest free grace period on all purchases when your account is paid in full by the due date on your previous statement or there is no previous balance
Credit Line Up to $10,000
Transaction Fee No
Cash Advance Fee No fees at a USECU branch location
Travel Accident Insurance Travel Accident Insurance $1,000,000 Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.
Baggage Benefit Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.
Auto Rental Insurance Car rental insurance coverage when the car is rented using a Visa card.

*Certain credit criteria and restrictions apply. Rates and benefits subject to change. Please refer to View Visa Credit Card Disclosure.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: