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Visa Rewards Credit Card

United Consumers Credit Union

RegionalVariable · PrimeCredit score 620–719
Issuer site ↗
Purchase APR
15.24–26.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
22 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
22.49%
620–719
17.49%
720+
15.24%
Lowest offered15.24%
Median17.49%
Highest offered26.24%

Cash advance APR

No score
—
≤619
22.49%
620–719
17.49%
720+
15.24%
Lowest offered15.24%
Median—
Highest offered26.24%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Additional fees
Returned Payment Fee$25

Late fee policy: 5% of the payment with a min of $15 and max of $25

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Merchandise

Who can get this card

AvailabilityRegional
StatesKS, MO
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 17.49%$524.70
Annual / periodic fees$0
Total yearly cost$524.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 22-day grace period avoids the interest entirely.

Cardholder agreements

3 documents filed by United Consumers Credit Union in the 2026 Q1 archive.

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