Student Credit Card
From driver’s licenses to later curfews, high school is the time to prove that U deserve a little more responsibility. That goes for your money, too!
UMe has a Student Visa® Credit Card that follows U everywhere and leads the way to more financial freedom.
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 Student Visa® Credit Card:
Our lowest, FIXED rate
No surprises every month, so you can plan spending better.
Line of credit by age
Starting at 14 and $100, we’ll grow your limit with you, all the way to $300 at age 17. And at 18, you can apply for a higher credit limit!
Zero cash advance fees
Our cash advance rates are the same as our purchase rates. Period.
No annual fee and no application fee
Keep more of your money in your wallet.
Low foreign-transaction fees
We only pass through Visa’s low conversion charges, up to 1%.
Instant card issue
Instant-issue Visa® Credit Card at the credit union (no waiting for your card in the mail).
Enhanced security
Safety and security features like Visa®’s Zero Liability and Visa® Secure.
Apple Pay and Android Pay
Apple Pay and Android Pay can be used as secure and useful ways to pay in stores using your everyday devices.
Current Rates
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TERMS |
APR* |
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*APR is Annual Percentage Rate. The UMe Student Visa Credit Card APR is always at the lowest UMe credit card rate available. Once U turn 18, you can apply for a UMe Visa Platinum Credit Card and your APR will be based on an evaluation of your creditworthiness. Making your Student Credit Card payments on time each month will have a positive effect on your creditworthiness. UMe Pro Tip: Pay your credit card bill on time every month so you will qualify for a great rate and credit limit in the future! |
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TERMS Fixed rate |
APR* 12.90% |
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.
— Rebekah R.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!
Did we mention rewards?
Earn points that can be redeemed for cash, travel, and more with the UMe Student Visa® Credit Card. When U use your UMe Student Credit Card, you’ll earn reward points for every dollar U spend. It’s that easy!
UMe Rewards 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.
Student Credit Card FAQs
Burbank students 14 years old and above can apply. 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.
When U apply at our UMe branch, we’ll instant issue your card 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 Student Credit Card has our lowest, FIXED interest rate. That’s pretty great, right? We think so, too!
The UMe Student Visa Credit Card APR is always at the lowest UMe credit card rate available, currently 12.90% APR (Annual Percentage Rate).
Once U turn 18, you can apply for a UMe Visa Platinum Credit Card and your APR will be based on an evaluation of your creditworthiness. Making your Student Credit Card payments on time each month will have a positive effect on your creditworthiness.
UMe Pro Tip: Pay your credit card bill on time every month so you will qualify for a great rate and credit limit in the future!
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.