Stay Secure: Be cautious of text messages and phone calls claiming to be from UNFCU reporting fraud on your accounts. Contact us directly to verify.
Holiday Schedule: Our Contact Center will have updated hours during December holidays. View updates.

Discover the worldwide benefits UNFCU members enjoy

Apply for Membership Membership Eligibility Member Benefits Refer a Colleague

Help & Guidance

View of Mediterranean village by the sea.
Credit Card Rewards

Earn reward points with every purchase

Use your points around the world

Your rewards, your choice

Individual holding wallet with cash.

Cash back

Receive cash as a deposit to your checking or savings account, or as a statement credit.

View of blue sky outside of an airplane window.

Airfare

Book flights to your favorite destinations on top-rated airlines such as Emirates.

View of water from an elegant balcony.

Hotels

Choose from hotels worldwide with no blackout dates.

Individual sewing a garment at RefuSHE.

Donations

Make a difference and donate to UNFCU Foundation or another charity.

Dining out and ordering a delivery meal online1 are just two of the ways to earn extra points with your Elite credit card.  

3x points
for restaurant meals
2x points
for groceries and online food delivery services1
1x points
for every $1.00 spent on everything else

Transit and Netflix® are just two ways that everyday spending can earn you extra points with your Azure credit card.

3x points
for groceries, restaurants, and online food delivery services1
2x points
for streaming services2 and transit
1x points
for every $1.00 spent on everything else
Two individuals enjoying a hike.

New cardholders start with bonus points

Earn points even faster as a new Elite or Azure cardholder. Receive 10,000 bonus points when you spend $2,000 in your first four months — that’s equivalent to $100.

View & redeem your reward points

  1. Sign in to Digital Banking.

  2. Select your credit card.

  3. Select Redeem points.

  4. Under My account, select My account statement for a detailed overview of your points.

  5. Choose an option under Redeem Rewards to use your points for cash, travel, and more.

Phone ringing.

Speak with a UNFCU credit card rewards representative

  • In the US or Canada, call toll-free: 1 888-211-3840
  • In all other regions, call collect: +1 630-246-6033

Find the right card for you

Choose from two options with features to make all your shopping more secure.

Apply today Compare the cards

Credit card rewards FAQs

Points expire 36 months after they were earned. The expiration dates of your points are posted on Digital Banking and on your monthly statement.

Yes. Joint cardholders and authorized users earn points when they make purchases using their card. Your point balance is the total number of points accumulated by you, your joint cardholder, and any authorized users.

ShopSPOT rewards allow you to use your UNFCU credit card to shop online and in person to receive bonus points. You can view the current list of eligible merchants on the credit card rewards site accessible through Digital Banking.

Resources to help you manage your card

Visit the Help Center
Financial Wellness

Debit vs credit cards

Learn more
Credit & Debit Cards

Track card delivery status

Learn more
Credit & Debit Cards

Report fraud or dispute a charge

Learn more
Credit & Debit Cards

Set up & use a digital wallet

Learn more
Visit the Help Center

Disclosures

  1. Online food delivery services include brands such as Seamless™, Grubhub™, and others that facilitate online food orders from local restaurants.
  2. Streaming services include platforms such as Netflix® and Hulu®. They provide an on demand online entertainment source for TV shows, movies, and other streaming media. Some exclusions may apply.