VISA® Platinum
For those individuals looking to transfer their current balances or who make large purchases and keep a monthly balance.
APR
Intro Purchase APR*: 3.99% for 6 billing cycles
Intro Balance Transfer APR*: 3.99% for 18 billing cycles
Variable APR*: As low as 7.99%
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
VISA® Platinum – Credit Builder is available for those individuals looking to build or rebuild their credit score. Available for members with credit scores of 619 or below. No secure deposit necessary.
VISA® Platinum Rewards
For those individuals who make everyday purchases and are looking to get rewarded.
APR
Intro Purchase APR*: 5.49% for 6 billing cycles
Intro Balance Transfer APR*: 5.49% for 18 billing cycles
Variable APR*: As low as 9.49%
Rewards
Earn 3X Points at grocery stores, wholesale clubs, home supply stores, and gas stations. Earn 1.5X Points on all other purchases.
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
For those individuals who like to treat themselves on vacation and get rewarded while relaxing.
APR
Intro Purchase APR*: 5.49% for 6 billing cycles
Intro Balance Transfer APR*: 5.49% for 18 billing cycles
Variable APR*: As low as 9.49%
Rewards
Earn 2.5X Points on airfare, hotels, rentals, and gas. Earn 1.5X Points on all other purchases.
Fees
Annual Fee: None
Cash Advance Fee: None
Balance Transfer Fee: None
Foreign Transaction Fee: None
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.
Disclosures
Read more about UKRFCU’s Disclosures.
Financial Calculators
Check out our credit calculator.
Questions?
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.
Loan Payment Options:
- Set up AutoPay with UKRFCU
- Online and Mobile Banking Payment
- In Person Payments
- Pay by Mail
Please complete the “Credit Card Request for Limit Increase” form. The form is located at all UKRFCU branches and on our website. If completed online, submit to orestd@ukrfcu.com.
Once the application is approved, it typically takes 7-10 days to receive your new credit card in the mail.
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.