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All rates listed on this page are valid as of September 29, 2023 and are subject to change without notice.

VISA® Platinum

For those individuals looking to transfer their current balances or who make large purchases and keep a monthly balance.

APR*

Intro Balance Transfer APR*: 3.99% for 36 Months
Variable APR*: As low as 10.99%

*APR = Annual Percentage Rate. 

Fees

Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None

VISA® Platinum – Credit Builder

For those individuals looking to build or rebuild their credit score.

APR*

Variable APR*: 17.99%

*APR = Annual Percentage Rate. 

Fees

Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None

VISA® Platinum Rewards

For those individuals who want to get rewarded for making everyday purchases.

APR*

Intro Purchase APR*: 5.49% for 6 Months
Intro Balance Transfer APR*: 5.49% for 18 Months 
Variable APR*: As low as 12.49%

*APR = Annual Percentage Rate. 

Rewards

Earn 2X Points per $1 spent on Wholesale Clubs (Costco, BJ’s), Restaurants, Bars, Airfare, Gas, and Cosmetic Stores (Sephora, ULTA Beauty). Earn 1.5X Points per $1 spent on all other purchases1.
1Rewards are subject to change at any time without prior notice.

Fees

Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None

Earn 10,000 Bonus Points when you spend $2,500 on purchases in the first 3 months.

VISA® Signature Rewards

For those individuals who want to get rewarded for running a business.

APR*

Intro Purchase APR*: 5.49% for 6 Months
Intro Balance Transfer APR*: 5.49% for 18 Months
Variable APR*: As low as 12.49%

*APR = Annual Percentage Rate.

Rewards

Earn 2.5X Points per $1 spent  on Gas, Dining, Office Supply Stores, Utility Bills, Tolls and Home Supply Stores (Home Depot, Lowe’s). Earn 1.5X Points per $1 spent on all other purchases1.

*Rewards are subject to change at any time without prior notice.

Fees

Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None

1The Signature Rewards credit card is a Consumer Card that is subject to the Credit Card Act of 2009. It is not a Business issue credit card. 

Earn 25,000 Bonus Points when you spend $5,000 on purchases in the first 3 months.

Your Card, Your Benefits


Digital Wallet

Access your card on your phone with Apple, Google, Samsung Pay, and all other digital wallets.


Availability

24/7 Service offered to you to discuss any card issues or concerns.


Fraud Detection

Protection from credit card fraud with EMV chip and 24/7 fraud monitoring.


Rewards

Earn points on your purchases and reimburse them for cash back, travel, or credit onto your account.

Get a credit card that best fits your lifestyle. Whether you are a UKRFCU member, or not yet, it only takes a few minutes to apply!

Limit Increase

Request a Credit Card limit increase for your existing card!

Check Status

Check the status of your Visa® Credit Card application.

Questions?

How is the interest on credit cards calculated?

To calculate the interest on credit cards, divide your APR (10% – .10) by 365. Then multiply the balance by this number to determine daily interest charged.

How do I make a payment?

Loan Payment Options:

  • Set up AutoPay with UKRFCU
  • Online and Mobile Banking Payment
  • In Person Payments
  • Pay by Mail
How long does it take to get a credit card?

Once the application is approved, it typically takes 7-10 days to receive your new credit card in the mail.

Can I transfer balances from other credit cards to my UKRFCU credit card?

Yes,  UKRFCU makes it easy to transfer balances from your other credit cards so you can save money with UKRFCU’s low interest rate credit cards.