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Conquer wish lists. Earn rewards. Stuff stockings.

Redeem points for a whole lotta holiday cheer with the UMe Visa® Credit Card.

Consider us UMe Claus, because our rewards-earning Visa® Credit Card is the gift that keeps on giving — and is guaranteed to bring happiness well after the holidays! Enjoy a fixed rate as low as 9.90% APR* for all your holiday shopping when U use your UMe card, it’s just one of many “fa-la-la-la-la“ fabulous perks!

If you’ve done any looking, you’ll know that fixed rate cards are hard to find. But even better, check out these other great benefits:

Year-Round Rewards on Every Purchase
The holidays aren’t about REgifting. They’re about REwarding shopping! That’s because our UMe® Visa Credit Card earns you 1 point for every $1 spent, no matter what. And it’s not just a holiday tradition. This is one present you can enjoy every day of the year.

Redeeming Points is Money
Make your own wish list and check it off by redeeming your points for travel, event tickets, popular brands, or cash back – it’s totally up to U!

Zero Hidden Fees (And a Partridge in a Pear Tree)
Ok, there’s no partridge. Or pear tree. But there are also no cash advance fees, no balance transfer fees, and zero application fees hiding at the bottom of your stocking. We’re one Santa who doesn’t keep secrets!

Freebies for our Newbies
If you’re a new cardholder, you can get gifted an extra 10,000 points if you spend $1,000 in the first 90 days*. Ho-ho-holy moly!

More Magical Benefits

  • Low, fixed rate
  • Instant card issued in-branch
  • Extra security and perks when enrolled in Visa Checkout
  • Verified by Visa fraud detection + Zero Liability
  • Online account management
  • Friendly, personal UMe Credit Union service (we think you’ll like this the most!)

Ready for a brand new Santa bag of rewards with the UMe Visa® Credit Card? Let’s do it!

Apply now


*APR = Annual Percentage Rate. Rates are based upon individual credit. For additional details regrading rates and fees please visit umecreditunion.com/borrow-insure/credit-card.