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Your UMe Visa Credit Card Awaits — Apply Today!

UMe Visa Credit Card

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 Credit Card has rates as low as 9.90% fixed APR* plus other features you’ll love. Honestly, it makes most other cards jealous (sorry not sorry, other cards).

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the details

  • Low FIXED rate
  • Earn Rewards on qualifying purchases
  • No balance transfer fees
  • No cash advance fees
  • No annual fee and no application fee
  • Low foreign transaction fees (UMe charges nothing, but Visa charges up to 1%)
  • Instant card issue

*APR = Annual Percentage Rate. Your rate will be based upon an evaluation of your credit worthiness.

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Find out how long it’ll take to pay down your debt.

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Get the most up-to-date interest rates and interest charges.

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APR As low as 9.90%
Balance Transfer Fee $0
Cash Advance Fee $0
Annual Fee $0
Application Fee $0

apply online

Experience the Benefits of the Visa Platinum Card

When you use your UMe Visa Platinum Card, we want you to feel like a VIP member (because you are)! These cardholder benefits should totally do the trick. 

Low Fixed Rate: Don’t worry about an introductory rate bait-and-switch or varying interest rates. With the UMe Visa Platinum card, we offer low, fixed rates every day — which means your rate stays locked-in as long as you have your card. Seriously!

Earn Visa Rewards on qualifying purchases: Using your card earns one point for every dollar spent. Yes: Every. Dollar. Spent. And, what are points good for? Everything from merchandise to travel, gift cards to cash back! You can even donate points to your favorite kind of charity if you prefer!

No Balance Transfer Fees: If you have high interest debt, you can transfer your balances to your UMe Visa Platinum Card without paying a costly balance transfer fee. We are happy to help you save money by saying sayonara, adios, and au revoir to costly fees.

No Cash Advance Fees: When you need access to your credit card’s cash advance line, you don’t pay a fee to see a little green. You can get the cash you need for free. And the rate on that cash is the same as your purchase rate.

No Annual Fees: Charge you a fee every year to use your credit card? I mean, who does that? Not UMe!

No Application Fee: Don’t pay a fee to apply for your Visa Platinum Card. That’s free, too!

Low Foreign Transaction Fees: This card is great for traveling abroad. We only pass along Visa’s “up-to-1%” foreign transaction fee, so whether you’re going for work or play, the bottom line is easy: You spend less with every transaction. 

At UMe, you will receive your UMe card right on the spot for in-branch approvals. Members who get approved online can have their cards mailed to them or stop by the branch to receive their card without waiting for snail mail (UMe’s pick-up option is faster and more secure)!

Secure Checkout: With Visa Checkout, you can rest assured that your online payments are convenient, yet secure. Don’t worry about re-entering your card information for each purchase. Simply store your card information with Visa Checkout, and you’re safe, and good to go!

Liability: When you use your UMe Visa Platinum Card for purchases, you’re protected from the unauthorized use of your card or card information. That’s 100% right. You pay nothing if an unauthorized purchase is made on your account. We’ve got you covered!

Who is the UMe Visa Platinum Card For?

Our Visa Platinum 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. 

  • Saying Goodbye to High Interest Debt: With absolutely no transfer fees, you can save money transferring your high interest debt to the UMe Visa Platinum card.
  • World Traveler: If you travel abroad regularly, you can use the Visa Platinum Card and save on your foreign transaction fees.
  • Financially Fit: You want to save on fees, get a low interest rate, and only sign up for credit cards that have your financial fitness at heart. This one's for you!
  • Customer Service: Our customer service is the icing on the 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. 

Visa® Platinum Credit Card FAQs

It’s the hottest card around! Do you have questions about the UMe Visa Platinum Card? We have the answers.

Can anyone apply for the Visa® Platinum Card?

Pretty much, as long as you’re a member of UMe, of course! The good news is it’s pretty easy to become a member – just follow these requirements, and you’re good to go. You’ll also need the usual identification stuff – such as your driver’s license, so we can make sure you are who you say you are. 

What kind of fees are there?

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 9.90% APR*. That’s pretty good, right? We think so too.

What happens if someone uses my Visa card without my permission?

Don’t worry, we’ve got you 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 Visa credit or debit 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.

I want to transfer my high-interest rate credit card balance. What’s the best offer out there?

It’s right here! With the Visa Platinum Credit Card from UMe, you’re paying nothing to make that transfer. There are no balance transfer fees. Not even a percentage of the balance, like all those other guys. And, we offer fixed rates as low as 9.90% APR*. That means you have no excuse to keep paying those high costs any longer.

How long will it take me to get the card?

You could wait for us to mail it. OR… you can stop by our UMe branch and we’ll instant issue it for you, right on the spot. You can go home with your new plastic in hand – today! 

What’s the best rate available on the Visa® Platinum Card?

We have good news for you! Well-qualified applications can score a fixed, low-interest rate of just 9.90% APR*. That’s super low and super attractive.

How do I earn Visa Rewards points?

You earn one point for every dollar you spend. Plus, when you spend at least $1,000 in the first 90 days of getting your card, you get 10,000 bonus points! Yes, we’re rewarding you like you spent $10,000! (Bonus Points offer good for new cards only, one per account)

How do I redeem my Visa Rewards? 

We like to make things easy for you (have you noticed?) which is why there are three options: 1) Sign in to UMe online banking. 2) Sign in to our UMe app. 3) Call 888-347-0863 day or night. You’ll be redeeming your points in no time at all! 

Do you have another question that we didn’t answer here? Check out our Credit Card FAQ page for more money-smart questions.

Start Saving & Spending With The UMe Visa® Platinum Today!

Now that you have all the answers to your burning credit card FAQs, what are you waiting for? 

Start spending (and saving!) with UMe Credit Union’s Visa Platinum credit card today. 

Visa Platinum Card Resources

You can use these super helpful resources to help you with your credit card journey. 

Payment calculator

Find out how long it’ll take to pay down your debt.

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Check rates

Get the most up-to-date interest rates and interest charges on our credit cards. 

credit card rates

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