Credit Cards
UCU's credit cards make shopping, traveling and buying the things you want more convenient and more rewarding. With low rates and no annual fees, these cards make you a smarter shopper and provide superior benefits and straightforward, honest value. Contact a UCU consumer loan originator by email or 800 696 8628 for more information.
Platinum
- Platinum benefits
- Our lowest credit card rates - as low as 12.74% APR*
- No annual fee
- No balance transfer fees
- 3.99% APR* intro rate for first 12 months
- Added security with smart-chip technology
Platinum Rewards
- Platinum benefits plus Rewards!
- Earn Rewards you can redeem for travel, cash back, and merchandise!
- Earn 1 point for every net dollar spent
- Rates as low as 14.74% APR*
- No annual fee
- No balance transfer fees
- 3.99% APR* intro rate for first 12 months
- Added security with smart-chip technology
University of Maine Alumni Association Platinum Rewards
- Give back to UMAA simply by having and using your card!
- Platinum benefits plus Rewards!
- Earn Rewards you can redeem for travel, cash back, and merchandise!
- Earn 1 point for every net dollar spent
- Rates as low as 14.74% APR*
- No annual fee
- No balance transfer fees
- 3.99% APR* intro rate for first 12 months
- Added security with smart-chip technology
- Go Black Bears!
University of Southern Maine Platinum Rewards
- Give back to USM simply by having and using your card!
- Platinum benefits plus Rewards!
- Earn Rewards you can redeem for travel, cash back, and merchandise!
- Earn 1 point for every net dollar spent
- Rates as low as 14.74% APR*
- No annual fee
- No balance transfer fees
- 3.99% APR* intro rate for first 12 months
- Added security with smart-chip technology
- Go Huskies!
Business Visa
- Rates as low as 12.74% APR*
- Introductory 0% APR on purchases for the first 12 months
- Easily add authorized users and adjust user limits
- Consolidated statements for all cardholders
- Added security with smart-chip technology
*APR=Annual Percentage Rate. Rates effective 4/1/23. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 12.74% to 19.74% for the Platinum Card, from 14.74% to 21.74% for the Platinum Rewards Card. The introductory APR for purchases is 3.99% for 12 months. The introductory APR for purchases will apply to transactions posted to your account during the first 12 months following the opening of your account. After that, the APR will revert to your standard APR for purchases which will vary with the market based on the Prime Rate and your credit worthiness. Cash advances made with this card are subject to a fee of $10 or 3% of the amount of each cash advance, whichever is greater. Foreign transactions are subject to a fee of 1% of each transaction in U.S. dollars. Membership eligibility applies.
Credit Card Disclosures | Credit Card Agreement | Business Credit Card Agreement
