Visa® Platinum Optimum
Take control of your finances with a low-rate credit card that offers maximum flexibility, zero balance transfer fees, and powerful purchasing power.
Why Choose a Visa® Platinum Optimum Credit Card
Looking to escape high credit card interest rates? The Visa® Platinum Optimum card can help. With one of the lowest rates available and no-fee balance transfers, it's a smart choice for gaining control of your finances and reaching your credit goals.
- Rates as Low as 8.99% 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 Cash Rewards
- 1.10% Cash Back on All Purchases at All Merchants
- Cash Back Never Expires & Is Automatically Deposited into Your Account Monthly
- Non-Variable Rates as Low as 12.99% APR
- No Annual Fee
- Fee-Free Balance Transfers & Cash Advances
- Overdraft Protection Option
- Digital Wallet Compatible
FAQs
Absolutely! If at any point in the future, you'd like to start earning 1.10% cash back on every purchase with our Visa® Platinum Cash Rewards card, we can transfer your balance! Stop by a branch or give us a call, and we'll be happy to switch things out for you!
The Platinum Optimum Visa® credit card is a great choice for you! With a competitive annual percentage rate (APR) starting at just 8.99%*, you can use the card without the fear of high interest rates — and also build your credit score!
*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, 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.
In order to repair a low credit score, credit bureaus need to see a record of on-time payments. In fact, payment history accounts for 35% of your credit score.
Our Platinum Optimum Visa® credit card has low interest rates* that make it easy to create a budget with predictable monthly payments, so you can easily pay on-time to build your credit score.
*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, 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.
Did you know: the average credit card interest rate is over 20.0%?
When you open a Platinum Optimum Visa® credit card with UMCU, we can transfer your credit card balance from another financial institution and potentially lower your interest rate. You can also transfer and combine multiple credit card balances to consolidate your debt for one easy monthly payment!
Disclaimer
*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, 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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