Rewarding Reasons to Use Your Credit Card this Season

November 2024

Whether your holiday season is all hustle and bustle or simply cozy and filled with comforts, there is a simple way to maximize your merry: using your rewards credit card for holiday shopping. As long as you can avoid overspending throughout the season, using a credit card to make all your holiday purchases has several rewarding benefits.

Maximized Rewards

The most obvious benefit to using a rewards credit card for your busiest shopping season is the rewards you can earn. Of course, when you shop more and use your rewards credit card more, you will earn more rewards points that could be redeemed for cash back, and more.

For example, with a UCU Platinum Rewards VISA credit card, you can earn up to five points on every dollar spent.* With those rewards, you can redeem the points for cash back to apply to your credit card balance or use it for other financial needs.

Secured Transactions

The holiday season is a time of joy – but it’s also a time of increased transaction fraud. When you use a rewards credit card like a UCU Platinum Rewards VISA credit card, you enjoy secure transactions with robust security features like chip technology, which helps protect your information during purchases.

Effortless Budgeting

Holiday shopping involves countless purchases ranging from food, décor, and gifts to event tickets, travel, and even home improvement expenses. With so much to purchase and check off your list, staying on top of your budget can be difficult. With a rewards Visa® credit card, you can access detailed online statements and see all your transactions right inside UCU Digital Banking and the UCU Credit Card App. Altogether, your rewards Visa® card gives you great ways to track spending.

You can also spread the cost of big-ticket items to help you stick to your monthly budget. For example, if you plan to purchase expensive electronics or luxury items that go on sale during the season, making those purchases with your rewards Visa® credit card allows you to enjoy the flexibility and convenience of financing. This allows you to plan for paying off those more considerable expenses over time.

Credit Building

Of course, for those who need to build a credit history, using a rewards Visa® credit card during the holidays is a great way to do so. To have the best impact on your credit score, be sure to make your monthly payment on time and avoid maxing out your card to your credit limit.

Why Choose UCU Credit Cards for the Holidays?

Finding an excellent rewards Visa® credit card right for you is incredibly easy at UCU. We offer a selection of Platinum Rewards Visa® credit cards to suit your needs. They all have no annual fees, come with a low introductory annual percentage rate, and have outstanding local support.

Choose yours now at ucumaine.com/credit-cards or call us at 800 696 8628.

*Rewards points: Earn 5 points for every dollar spent with Streaming and Gaming Subscriptions, Earn 2 points for every dollar spent on Gas purchases, Earn 2 points for every dollar spent on Dining, such as restaurants, carryout, delivery, Earn 1.5 point for every dollar spent for all other purchases. Learn more on our rewards webpage.