Credit Cards

A credit card for your spending style

Apply For a Credit Card Now

All UNIFY credit cards feature:

No Annual Fee

No Cash Advance Fee

No Balance Transfer Fee

Auto Rental Collision Damage Waiver

Optional Debt Protection

Which credit card is right for you?

Take our credit style quiz to find the right features and terms for your lifestyle.

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Are you someone who's looking for a fixed payment you can depend on?
Looking to transfer high-interest credit card balances?
Love a card that offers NO annual fee, NO cash advance fee and NO balance transfer fee?
Love to tap, swipe or double click and earn rewards?
Want a low-interest rate payment?
We Recommend:
You and our Fixed Rate Visa are meant to be.
We Recommend:
Our Engage Rewards Visa is your perfect match!
We Recommend:
We think our Variable Rate Visa is your right fit!

 Choose a UNIFY VISA® Card That's Right for You!

UNIFY Engage Rewards Visa Card
UNIFY Visa Platinum Card


  Visa® Engage Rewards Visa® Platinum Visa® Gold Visa® Classic
ANNUAL FEE No Fee No Fee No Fee No Fee







Fixed & Variable

Fixed & Variable

Fixed & Variable











Check rates

Found the right credit card for you?

Apply For a Credit Card Online

Visa Engage Rewards Card*

Earn credit card rewards points on every purchase and redeem them for travel, merchandise, cash back, and gift cards. Spend a buck, earn a point. Simple, huh?

All the great UNIFY credit card features plus:

  • Get 5,000 points when you spend $2,000 in the first 90 days1 
  • Redeem and monitor your points in eBanking, online, or at 877.789.9318

Apply for a Visa Rewards Card Now

Fixed Rate Visa Credit Card*

A fixed rate stays the same month to month.

All the great UNIFY credit card features plus:

  • Fixed rate as low as 9.49% APR
  • Special introductory and balance transfer rate offers as low as 5.49% APR2,3

Apply for a Visa Classic Card Now

Variable Rate Visa Credit Card*

Get the lowest rates available to you with a variable rate credit card.

All the great UNIFY credit card features plus:

  • Variable rates as low as 14.24% APR
  • No balance transfer fee

Apply For a Visa Rewards Card Now


Visa Share-Secured Card*

A credit card backed by your savings account. Put up to $2,500 into a UNIFY savings account and your line of credit will be for that full amount.

All the great UNIFY credit card features plus:

  • Rebuild your credit with a low-fixed rate

Apply for a Visa Classic Card Now

A word on UNIFY credit card security

You’re well protected against fraud with our card management features.

A shield with a keyhole at the center, conveying security

Verified by Visa

A password protected authentication system designed to confirm your identity when you use your UNIFY Visa card online. 


Card Management (Card On/Off)

Hit the pause button when you misplace your credit or debit card.

Try these card features in eBanking

Two-Way Text Fraud Alerts

Get notified via text if we suspect fraud on your account and simply reply to the text to confirm your activity.4 

UNIFY University: Credit Cards

Woman sitting holding credit card and IPad

Protect Your Online Identity

Email Offers and Online Shopping   Enjoy safe online shopping and avoid email scams with these tips:
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Should You Accept a Store Credit Card Offer?

Know the Ins and Outs of Store Credit Cards to Avoid Expensive Mistakes. Avoid the "savings" temptation.
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Five Big Mistakes Even Smart People Make with Credit Cards

Despite the popularity of credit card accounts, it’s easy for holders to make mistakes that can cost them money.
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Guard Your Cards

Know the ins and outs of store credit cards to avoid expensive mistakes.
Read More

Let's get you approved for your new card!

Apply for a Credit Card Today


*APR = Annual Percentage Rate. Rate quoted is the lowest rate possible for well-qualified borrowers and is subject to change without notice. Qualification for credit is based on membership eligibility, credit history, debt-to-income ratio, ability to repay, employment history and other factors. Your rate may vary. All loans subject to credit approval. See the Application & Solicitation Disclosure for rates and required disclosures.
1Offer valid on member’s first Engage Rewards credit card only. Spend at least $2,000 on eligible purchases within the first 90 days of card activation to receive bonus points offer. Subject to change without notice. 
2Introductory rate for Purchases is discounted 4.00% off your Contract APR for the first six billing cycles. After the sixth billing cycle, any remaining unpaid balance and subsequent purchases will revert to your APR for Purchases (Contract APR). Introductory offer may end at any time without notice. Not valid with other offers. 
3Promotional rate for Balance Transfers is discounted 4.00% off your Contract APR for the first twelve billing cycles following the balance transfer. After the twelfth billing cycle, any remaining unpaid balance will revert to your APR for Purchases (Contract APR). Minimum Balance Transfer amount is $500 and must be initiated within UNIFY eBanking or with a UNIFY representative. Cash advances, overdraft transfers, and purchases not eligible. Finance charges are assessed from the transaction date of the balance transfer. Promotional offer may end at any time without notice. Not valid with other offers. 
4By providing your mobile number, you agree to receive Card Fraud Text Alerts to notify you of suspected fraudulent activity involving your UNIFY Credit or Debit Card. Text HELP to 81508 or call 877.254.9328. To cancel or opt out, text STOP to 81508. Message and data rates may apply. Release of Liability: Alerts sent via SMS may not be delivered if your phone is not within range of a transmission site, or if sufficient network capacity is not available at a particular time. Wireless carriers do not guarantee that alerts will be delivered.
Visa® is a registered trademark of VISA U.S.A. Inc.

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Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

Get all the details
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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

Get FREE Checking
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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you