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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 12.90% 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 regarding rates and fees please visit umecreditunion.com/borrow-insure/credit-card.


Disclaimer: U matter to Me (all of us) at UMe — and that’s why we do our best to deliver helpful information on our blog. Please note the following: (1) UMe Credit Union works hard to make certain that the information we post here is as accurate as humanly possible. But as you know, information can change and evolve quickly. While we try to update the blog on a regular basis, the content of some older posts may not be correct or up-to-date. (2) Some destinations on the World Wide Web that we link you to will exist on external websites. UMe Credit Union does not officially endorse any connected sites, nor do/did we compensate or get compensated by any entities to be featured in our posts (unless otherwise noted). (3) Everyone’s situation is unique and we advise you to consult with our personal bankers or your finance, tax, or legal professional for advice individualized to you!

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