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Credit Card

A FIXED, low-rate, rewards-earning, super magical credit card. (What’s not to love?)

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When it comes to credit cards, we know you have a lot to choose from… so we’ve made the decision easy for U! Our UMe Visa® Platinum Credit Card has rates as low as 12.90% fixed APR* plus other features you’ll love. Honestly, it makes most other cards jealous (sorry not sorry, other cards).

The Details

If you’re into saving money (like we are for U, obviously) you’ll love some of the other perks of our UMe Visa® Platinum Credit Card:

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Low FIXED rate

One and done. No unwanted surprises.

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Zero balance transfer fees

Transfer balances from high, variable rate cards and save.

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Zero cash advance fees

Our cash advance rates are the same as our purchase rates. Period.

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No annual fee and no application fee

Keep more of your money in your wallet.

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Low foreign-transaction fees

We only pass through Visa’s low conversion charges, up to 1%.

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Instant card issue

Stop by our branch in Burbank, and get that sweet piece of plastic on the very same day.

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Enhanced security

Manage your cards: Use our free mobile app to enable and disable your card, in real time. Anytime, from anywhere.

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Rewards on every purchase

Earn 1 point for every $1 spent on everyday transactions.

Who is the UMe Visa® Platinum Credit Card for?

Our UMe Visa® Platinum Credit Card is a universal credit card that provides features and benefits to help just about anyone with their financial needs, but specifically, if you relate to the following, it will be the peanut butter to your jelly.

  • If you have high-interest debt

    With absolutely no transfer fees, you can save money transferring your high interest debt to the UMe Visa® Platinum Credit Card.

  • If you travel abroad regularly

    Calling all world travelers! You can use the UMe Visa Platinum Card and save on your foreign transaction fees.

  • If like being rewarded

    This one’s for U! You’ll earn rewards – like cash back – on every single dollar you spend with your UMe Visa® Platinum Credit Card.

Current Rates

Visa Platinum Credit Card



*APR is based on an evaluation of your creditworthiness.


Fixed rate



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Stellar Service

Our customer service is the icing on the credit union cake. We pride ourselves on it! Anytime you have a question about your card, let us know, and we will do absolutely everything we can to help. Just check out what one of our members had to say about her UMe experience.

One of the best customer service experiences I’ve ever had. Choosing a new bank is a huge decision. UMe made this transition painless! Thank you!

— Rebekah R.

Did we mention rewards?

Earn points that can be redeemed for cash, travel, and more with the UMe Visa® Platinum Credit Card. UMe has harnessed some magic credit union powers to reward-i-fy our credit card. When U use your UMe Visa® Platinum Credit Card, you’ll earn reward points for every dollar spent.

UMe Rewards also gives you special access to:

  • A cash-back option
  • An extensive rewards catalog with popular brands, top merchants, event tickets and more
  • Convenient online travel reservations

NOTE: If you have an issue accessing the Rewards site through our Online Banking system, you may need to disable your pop-up blocker.

Credit Card FAQs

Yes! Visit to apply 24/7, stop by our branch to apply in person, or give us a call during UMe business hours at (818) 238-2900 and we’ll take your application over the phone.

You could wait for us to mail it. But, are you itching to use it? If so, stop by our UMe branch and we’ll instant issue it for you, right on the spot. You’ll get to go home with your new plastic in hand – today!

Ready for this one? There’s no application fee. There are no cash advance fees. There are no balance transfer fees. There are no annual fees. And to top it off, the UMe Visa Platinum Card has a FIXED interest rate that is as low as 12.90% APR*. That’s pretty good, right? We think so too.

We have good news for you! Well-qualified applications can score a fixed, low-interest rate of just 12.90% APR*. That’s super low and super attractive.

*APR is based on an evaluation of your creditworthiness.

You earn one point for every dollar you spend.

We like to make things easy-peasy. You can either login to online banking and click on the “Credit Card Rewards” option on the online banking dashboard, or you can call (888) 347-0863. You’ll be redeeming your points in no time at all!

Cash! And brand-name merchandise, gift cards, airline tickets, hotel rooms, car rentals, and cruises are all at your disposal. Our money-smart members can enjoy the option to redeem points in the form of cash back. And our members with a heart for giving can even elect to donate their points to over 1,000 worthy charities. There truly is an option for everyone.

Don’t worry, we’ve got U covered. Visa’s Zero Liability Policy is a guarantee that you won’t be held responsible for unauthorized charges made with your Visa card or account information. That means you’re protected if your UMe card is lost, stolen, or fraudulently used online, or offline. Just give us a call as soon as you are aware of any suspicious activity so we can get started finding a resolution for you.

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