U First Visa® credit card

0% APR for the first 6 months on purchases and balance transfers 1 then as low as 12.49% APR2

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U First Credit Card

keep your balance in check

You don’t have to watch your big balances pile up month after month. U First Visa® credit card from United is a simple way to lower your rate, fee free. No fluff or extras – here’s a secure credit line for your everyday purchases.

U First Visa®

  • new cardmember offer: 0% APR for the first 6 months on purchases and balance transfers1, then as low as 12.49% APR2
  • Get 2% off purchase APR on all balance transfers after the first six months3
  • No balance transfer or annual fees3,4
  • low minimum payments
  • $500 - $50,000 card limit
  • ideal for Members with good credit standing

fee freedom4

  • no annual fee
  • no balance transfer fee3
  • no cash advance fee
  • no convenience fee
  • no over limit fee
  • no replacement fee
  • and more

real benefits

  • debt protection
  • Roadside Dispatch®
  • Identity Theft Protection
  • optional Credit Life and Disability Insurance available
  • 24/7 cardholder service
  • cash advances available
  • Shipt
  • Sofar Sound
  • and more

flexible options

  • low minimum payments of 2% outstanding balance or $20, whichever is greater
  • auto-pay option
  • use of nationwide ATMs
  • digital wallet, contactless, and EMV chip transaction options
  • 25-day interest free grace period on your purchases

it needs saying again

No balance transfer fees.

A balance transfer is a type of credit card transaction in which debt is moved from one account to another. For example, moving the debt on a higher-interest credit card to a lower-interest credit card, which can save you money.

With a U First Visa® credit card, there is no balance transfer fee and 6-month introductory rate applies to balance transfers. Why is that important enough to state twice? Well, the benefits of consolidating debt include:

  • multiple payments become one convenient payment
  • eliminates higher interest rate debt, saving you money
  • reduces the risk of late payments
  • may improve your credit score

By moving those balances to United, you’ll only have to make one low monthly payment. Reducing your interest rate through consolidation allows you to pay more toward the principal balance each month.

If better terms and a lower rate sound good to you, call us at (888) 982-1400 or stop by a branch and we’ll help you get started.

Prepare for a balance transfer.

Be sure to have these on hand before you contact us:

  • copy of most recent credit card statement
  • name of payee/credit card
  • mailing address of payee
  • account or credit card number for payee
  • amount of payoff


good to know

A: You have three payment options to choose from:

  • Use United’s Online and Mobile Banking systems to schedule recurring or one-time credit card payments electronically.
  • Set up your bill pay service to automatic debit or transfer payments to your card.
  • If making a payment by check, please include your payment stub with your check and mail to:
    United Federal Credit Union
    PO Box 2711
    Omaha, NE 68103-2711

A: A cash advance is borrowing "cash" from your credit card. It is a short-term cash loan that you can access at a United branch or ATM. It's like withdrawing money from the ATM with your debit card, except the cash comes from your credit limit rather than your bank account balance. That means you have to pay it back with interest. Cash advances are more risky for a bank or credit union to loan out versus using your credit card to purchase an item. Because of this, cash advances don't have a grace period, meaning interest begins accruing on the balance as soon as the transaction is completed.

A: Cash advance interest is accrued from the date of advancement, regardless of when the advance is paid off, whereas purchase interest is not charged if the purchase is paid off within the statement cycle. Because the way each interest is determined is done differently, they are shown as two separate interest charges on the credit card statement.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Cash advances do not qualify for the promotional lower APR for the first 6 months.

A: U First Visa® is not a rewards card. If you are looking for a card that earns points and rewards, try U Rewards Visa® Signature Credit Card from United.

still not sure?

Compare U Boost, U First, and U Rewards Visa® credit cards, learn about United, or contact us with your questions to make the decision easier.

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APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.

[1] Six-month introductory 0.00% APR rate on new purchases and balance transfers is only available for new U First credit cards.

[2] Rates after introductory period between 9.24% - 18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.

[3] Balance transfer rates after introductory period between 7.24% - 16.00% APR; rates may vary. Rate determined by applicant’s creditworthiness. You may transfer any amount, but the total amount of your balance transfer must be less than your available credit limit. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You can’t transfer balances from other accounts issued by United Federal Credit Union. There is no grace period on balance transfers or cash advances; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account.

[4] There is a penalty fee for late payments of $29 for the first occurrence and $40 for each subsequent occurrence and up to $35 penalty fee for returned payments. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee of 1.5% of each transaction in U.S dollars if the transaction does or does not involve a currency conversion.

Visa® Credit Card Agreement
Visa® Credit Card Truth-In-Lending Disclosure Statement

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