Visa Credit Cards

Pick Your Powerhouse.

Whether you’re fueling up, grabbing groceries, or booking that long-overdue getaway, a UICCU Visa® card helps you rack up rewards where it really counts. Want something simple and streamlined? Prefer perks that pack a punch? We’ve got a card that’s got your back. Oh…and did we mention that our cards come with NO annual fees?

Cashback

U of I cards

  • Earn up to 5% cash back in select categories
  • Up to $150 cash back match
  • Best suited for individuals with strong credit histories

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Rewards

Rewards Cards

  • Earn up to 50,000 bonus points in the first 90 days
  • Redeem points at checkout
  • Ideal for borrowers with established credit

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Platinum

Platinum Cards

  • Low fixed interest rates
  • 0% APR on balance transfers in the first 12 months
  • Great for borrowers looking to consolidate debt6

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Those other cards don’t compare: No annual fees, no foreign transaction fees, no cash advance fees, use the same great mobile app, and local customer support.

So, why isn’t this in your wallet yet?

 

U of I cards

Visa Cashback

Meet your new favorite card: Visa Signature Cashback. Every time you swipe, tap, or click, you’re stacking real cash back in your pocket. Yep – that’s real money back to you! Here’s how you earn big:

  • 5% cash back on gas and travel
  • 2% cash back on groceries and restaurants
  • 1.5% cash back on everything else5
  • Up to $150 cash back match in the first year
  • 0% APR for 12 months on balance transfers!
  • No annual fees

Rates starting at 14.50% APR

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$150 cash back match in the first year, see disclosure 5.

Rewards Cards

Visa Rewards

Turn every swipe into a win! With Visa Rewards, you earn points on every purchase, and cash them in for the things you love like gift cards, merch, travel, and more. It’s like a shopping spree that never ends:

  • 10x points on University of Illinois and Carle purchases
  • 1x for every $1 spent on all purchases
  • Redeem points at the pump or checkout for additional discounts
  • 0% APR on balance transfers for the first 12 months6
  • No annual fees

Ideal for borrowers with good credit who want a variety of reward options.

Rates starting at 15.50% APR

View disclosure

50,000 bonus points after spending $5000 in the first 90 days, see disclosure 3.

Apply

Platinum Cards

Visa Platinum

Meet your new power move. If you’re ready to level up your credit game, the Platinum credit card is here to make it happen. Perfect for consolidating debt and building credit, you’ll keep your finances moving forward without sky-high rates dragging your down. Enjoy financial freedom again!

  • Low fixed interest rates
  • 0% APR on balance transfers in the first 12 months
  • No annual fees

Ideal for borrowers with good credit who want to consolidate debt at a fixed rate.

Rates starting at 9.9% APR

View disclosure

Apply

0% APR for 12 months on balance transfers, see disclosures.

platinum card

Student Visa

Our Student Visa® is perfect for full-time college students who are just getting started on their financial journey. Enjoy a fixed credit limit of $1000, no annual fees, no foreign transaction fees, and low interest rate, all while knowing you’re building your credit history with responsible card use. Plus, receive all the same great Visa benefits that our other cardholders receive. Your future self will thank you!

Rates starting at 13.5% APR

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Don’t have Digital Banking? Apply without logging in.

The other cards still don’t compare…

No Fees

  • No Annual Fees
  • No Foreign Transactions Fees

Digital Banking

  • Card Controls
  • Mobile Wallets
  • Alerts

Visa Benefits

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1The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

3New cardholder accounts are eligible for 50,000 bonus points after spending $5,000 in purchases within the first 90 days of card issuance. This offer is not available for applicants who currently have or have had this card. Eligible purchases are purchases for goods and services minus returns and other credits. “Purchases” do not include balance transfers, cash advances, prepaid cards, gift cards, wire transfers, bill pay, similar transfers, or other cash equivalents. Any transactions or purchases using a Merchant Category Code (MCC) and/or merchants that have been previously identified in gaming attempts including those transaction types previously stipulated as ineligible purchases will be excluded from earning rewards points.  To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you cancel or return purchases you made to meet the required spend), we may not credit bonus points or we may take away points from your account. We may also cancel this Card account. Transactions are subject to the account opening disclosure and your Credit Card Agreement. Allow up to 60 days after qualification period for points to be applied. UICCU reserves the right to refuse any application.

5Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers is for Visa Signature Cashback cards opened or upgraded after 7-1-23 or Visa Rewards cards opened or upgraded after 5-1-2025. There is a fee of 3% of the balance transfer amount for balance transfers processed during this promotional period. The standard rate for purchases, balance transfers processed 12 months after new card open date and any unpaid promotional balance remaining 12 months after new card open date will vary depending on your individual credit worthiness and the current market for Visa Signature Cashback and Visa Rewards. Rates will adjust with the Prime Rate. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application.

6APR = Annual Percentage Rate. The Promotional or Introductory APR for balance transfers for Visa Platinum cards is a fixed rate of 0% for the first 12 months after the later of the card open or upgrade date. There is a fee of 3% of the balance transfer amount for balance transfers processed during this Promotional or Introductory period. The standard rate for purchases, balance transfers processed 12 months after the later of the new card open or upgrade date and any unpaid Promotional or Introductory balance remaining 12 months after the later of new card open or upgrade date will be charged according to the fixed rate you qualify for which will be disclosed on your account opening disclosure. The standard rate will not change for as long as the line of credit is open unless you are notified of a change in terms and provided the opportunity to opt out and discontinue use of the account. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application.

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