Visa® Platinum Cash Rewards
Get rewarded for the purchases you already make — with unlimited cash back, low rates, and the trusted service you expect from UMCU.
Why Choose UMCU's Visa® Platinum Cash Rewards
Treat yourself to something extra every month with the UMCU Visa® Platinum Cash Rewards. You'll earn 1.10% cash back on every purchase you make. Plus, there are no restrictions on where you can use your card or how much cash back you can earn.
Use the cash rewards to grow your short-term savings account or treat yourself to something fun each month — the funds are yours to spend as you please.
- 1.10% Cash Back: On all purchases at all merchants
- Earn Unlimited Cash Back Every Time You Use Your Card: Rewards never expire and are automatically deposited into your savings every month
- Non-variable Rates as Low as 12.99% APR*: No annual fee*
- Fee-free Balance Transfers and Cash Advances
- Overdraft Protection Option
- Digital Wallet Compatible: Connect your UMCU Visa® to Google Pay, Apple Pay, or Samsung Pay for seamless, contactless payments
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Visa® Platinum Optimum
- Rates as Low as 8.99% APR
- No Annual Fee
- Overdraft Protection Option
- Fee-Free Balance Transfers & Cash Advances
- Digital Wallet Compatible
FAQs
All of them! Anytime you use your Platinum Cash Rewards credit card, you'll earn 1.10% cash back.
The funds will be deposited to your UMCU Savings Account on the last day of every month.
While UMCU debit cards do feature contactless payment, at this time, our credit cards do not. However, we are hoping to bring this technology to our credit cards in the near future so stay tuned!
Disclaimer
*Offer subject to credit approval. APR as low as 12.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
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At UMCU, we believe in supporting organizations and events that keep our communities strong. Every one of our team members is committed to making a difference every day.