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Discover the worldwide benefits UNFCU members enjoy

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Help & Guidance

UNFCU Elite credit card.
Elite Credit Card

Global value, elite experiences

Global rewards and protection when you travel

Exclusively for new Elite cardholders

Start the journey right with this introductory offer.

10,000
bonus points when you spend $2,000 in the first four months (10,000 points = $100)
View rewards
0.00 %
APR1
on purchases and balance transfers for the first six months — pay 16.74% APR thereafter
View all rates and terms (PDF)

Pay less in fees

Shop in almost all the world’s currencies with no foreign transaction fees and a low annual fee of $50.00.2 Choose to repay what you spend monthly or over time.*

Rewards that take you places

Earn points with every purchase. Redeem your points for cash, flights, or hotel stays.

Credit card rewards
  • Bookmark.

    3x points

    Earn triple points for every restaurant meal.

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    2x points

    Earn double points for groceries and online food delivery.3

  • Bookmark.

    1x points

    Earn one point for every $1.00 spent on everything else.

Aerial view of pristine beach.

Relax with perks designed to make every trip luxurious

Have peace of mind with global protection from Visa

  • Checkmark.

    Travel accident insurance

    Receive worldwide coverage up to $500,000.

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    Trip cancellation insurance

    Cover expenses up to $5,000 if a trip is unexpectedly canceled or interrupted.

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    Lost luggage reimbursement

    Get reimbursed up to $3,000 for lost luggage.

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    Zero Liability coverage5

    Stay protected if someone uses your card fraudulently.

Elite credit card details

Included with Elite

Introductory offer

Included with Elite

0.00% APR1 for the first six months & 10,000 bonus points6

Current rate

Included with Elite

16.74% APR1

Annual fee

Included with Elite

$50.002

Global rewards program (with cash back option)

Included with Elite

Up to 3x points

Foreign transaction fees from Visa®
(for purchases in non-USD currency or outside the US)

Included with Elite

$0.00

Airport lounge access (enrollment required)

Included with Elite

Five free visits to any participating lounge, with the option to purchase more

Visa concierge services

Included with Elite

Visa Signature® Luxury Hotel Collection

Included with Elite

Visa travel accident insurance

Included with Elite

Visa trip cancellation/interruption insurance

Included with Elite

Visa lost luggage reimbursement

Included with Elite

Up to $3,000

Visa travel & emergency assistance: Medical referral assistance, emergency translation, and lost luggage locator

Included with Elite

Visa auto rental collision damage waiver

Included with Elite

Visa pre-trip assistance: Information about health precautions, immunizations, and required travel visas

Included with Elite

Visa extended warranty protection

Included with Elite

Visa personal identity theft protection: Support to help cover expenses if your identity is stolen

Included with Elite

Visa Zero Liability coverage5

Included with Elite

Visa Purchase Security:
Have purchases replaced, repaired, or reimbursed due to events such as fire or theft

Included with Elite

ATM withdrawals

Included with Elite

Up to $1,000 per day

Credit limit

Included with Elite

Up to $50,0007

Identity theft protection with NortonLifeLock™
(enrollment required)

Included with Elite

Digital wallet compatibility

Included with Elite

Apple Pay®, Google Pay™, and Samsung Pay8

Credit Life Protection

Included with Elite

Individuals enjoying boat ride on a lake.

Apply for the Elite credit card

Check the status of your application at any time using Digital Banking.

Apply today

Top Elite credit card FAQs

Interest is applied to the average balance amount charged to your credit card each day of the billing cycle. This is called the average daily method.

You can have up to three authorized users and you can add anyone as an authorized user. Authorized users can use the card but are not responsible for balances on the credit card account. For this reason, it is important that you are careful about who you add to your card.

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

Elite cardholders do not pay foreign transaction fees. Azure cardholders pay foreign transaction fees according to our schedule of rates and fees (PDF).

If you are the primary cardholder, you will receive an enrollment email from Priority Pass. You should receive this email within three weeks of your Elite application being approved.

Once you enroll, Priority Pass will send you the Priority Pass Select card. You can also download the Priority Pass app to access your digital card.

Remember to update your Priority Pass information if you receive an Elite replacement card with a new number. Visit the Priority Pass website to log in or for ways to contact them. 

View all credit card FAQs

Resources to help you manage your card

Visit the Help Center
Financial Wellness

Debit vs credit cards

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Credit & Debit Cards

Track card delivery status

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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

Find the right credit card for you

Compare UNFCU credit cards, both with features to make all your shopping more secure.

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Disclosures

* Your credit card is not linked to your accounts. When you use your credit card, you borrow the money to pay for your purchase. There is a maximum amount you can owe on your credit card at any one time. This maximum is your credit limit. Each month, you need to make a minimum payment by a due date. You may repay the amount you borrowed in full. You may also choose to pay less than the full amount. You will pay interest on any amount you still owe after the due date. Every credit card payment you make replenishes your available credit by the amount of the payment.

  1. APR = Annual Percentage Rate. Creditworthiness and loan amount will determine actual APR. Rate quoted is a 6-month introductory rate. Thereafter, the rate will vary with the market based on the Prime Rate. Your actual APR may be lower than the US Prime plus margin if the rate is subject to regulatory limits.
  2. View all credit card rates and fees (PDF).
  3. Online food delivery services include brands such as Seamless™, Grubhub™, and others that facilitate online food orders from local restaurants.
  4. Elite primary cardholders receive five free airport lounge passes every 12 months from the date they enroll in the program.
  5. Visa's Zero Liability Policy covers US-issued cards and does not apply to certain commercial card transactions. Visa's Zero Liability Policy does not apply to any transactions not processed by Visa. You must notify UNFCU immediately of any unauthorized use. For specific restrictions, limitations, and other details, contact us.
  6. Earn 10,000 bonus points when you spend $2,000 on purchases in the first four months from account opening.
  7. Your approved loan amount could be less than the amount you requested due to a number of factors. All applicants are subject to credit approval. The total amount of unsecured loans for members without a home loan cannot exceed $150,000. This individual maximum includes unused lines of credit. The maximum amount can be extended to $225,000 if you have or are applying for one of our international home loans. Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan. All other terms and fees (PDF) for UNFCU credit cards apply to all cardholders.
  8. Apple and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.