Put the freedom, flexibility and purchase power of a UNIFY Visa® Credit Card in your pocket. One card doesn’t fit all. That’s why UNIFY offers a wide variety of Visa cards, from credit-beginners to reward-earners. Visa® Classic, Visa® Gold and Visa® Platinum cards come with fixed and variable rate options, to fit your life stage and lifestyle.
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Visa® Classic |
Visa® Gold |
Visa® Platinum |
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ANNUAL FEE |
No Fee |
No Fee |
No Fee |
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CREDIT LIMITS UP TO |
$4,999 |
$14,999 |
$50,000 |
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RATES |
Fixed & Variable |
Fixed & Variable |
Fixed & Variable |
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OVERDRAFT PROTECTION |
Yes |
Yes |
Yes |
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ONLINE CARD MANAGEMENT |
Yes |
Yes |
Yes |
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DEBT PROTECTION |
Optional |
Optional |
Optional |
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WARRANTY MANAGER SERVICE |
Not Offered |
Yes |
Yes |
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TRAVEL & EMERGENCY ASSISTANCE |
Not Offered |
Yes |
Yes |
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AUTO RENTAL COLLISION DAMAGE WAIVER |
Yes |
Yes |
Yes |
- Fixed Rate Visa® Credit Cards
Enjoy the confidence and consistency of a steady rate with no surprises.
- No annual fee.
- Fixed rate as low as 8.99% APR.
- Special introductory and balance transfer rate offers as low as 4.99% APR.1,2
- No cash advance fees.3
- No balance transfer fees.
UNIFY’S FIXED RATE VISA CREDIT CARD DISCLOSURES
SEE DETAILED RATES & FEES - Variable Rate Visa® Credit Cards
Take advantage of a low variable-rate with no annual fees.
- No annual fee.
- Variable rate as low as 5.74% APR.
UNIFY’S VARIABLE RATE VISA CREDIT CARD DISCLOSURES
SEE DETAILED RATES & FEES - Visa® Share-Secured Card
- Visa® Engage Rewards Card
More rewards, fewer restrictions. With a UNIFY Visa® Engage Rewards Card you earn points on every purchase. Redeem your points for travel, merchandise, cash back, gift cards— you name it. Spend a buck, earn a point. Simple, huh?
- No annual fee.
- GET 5,000 BONUS POINTS INSTANTLY: Spend $2,000 using your Engage Rewards Credit Card during the first 90 days and receive 5,000 bonus points.*
- Redeem and monitor your points in eBanking, under Card Management.
- Connect Rewards Program at 877.789.9318, anytime or online.
UNIFY’S VARIABLE RATE VISA CREDIT CARD DISCLOSURES
SEE DETAILED RATES & FEES - Pre-Paid Visa® Gift Cards
Always welcomed. Better than cash. Give something that will never be returned, a Pre-Paid Visa® Gift Card.5
- Accepted worldwide as a Visa® Debit Card.
- Choose amounts from $10 to $500.
- Makes online purchases easy.
- Replaced if lost or stolen. Safer than cash.
- Be assured, funds never expire.
- Inactivity fees apply.5
Stop by UNIFY branch or phone 877.254.9328, to purchase your gift cards.
- Verified by Visa®
Few things are more important than peace of mind when you shop online. Verified by Visa makes online payments more secure by making sure you are really you.
- Affords an extra layer of protection for online purchases.
- Shop with participating online merchants across the web.
- Confirms your identity by password after activation.
APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on borrower’s credit history, debt-to-income ratio, ability to repay, employment history and other factors. Your rate may vary. All loans subject to credit approval. UNIFY Financial Credit Union is an equal opportunity lender.
1APR for Introductory rate is 4.00% off your contract UNIFY Visa Credit Card on purchases Introductory rate promotion applicable to Fixed-Rate UNIFY Visa Credit Cards only. After the sixth statement you will be charged your current contract rate on all purchases. Promotional offer may end at any time without notice. Not valid with other offers.
2APR for balance transfers is 4.00% off your contract UNIFY Visa Credit Card APR made by transfer from other lenders via UNIFY eBanking or with a UNIFY representative. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Balance transfer promotion applicable to UNIFY Fixed-Rate Visa Credit Cards only. No transaction fee is imposed for balance transfers. Interest will be charged from the balance transfer transaction date. Minimum balance transfer amount is $500. After the 12th statement following the balance transfer transaction, you will be charged your current contract rate for any outstanding balance remaining from the balance transfer. Promotional offer may end at any time without notice. Not valid with other offers.
3An overdraft protection transfer from your Fixed-Rate Visa Credit Card will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full. UNIFY Financial Credit Union is an equal opportunity lender.
4Subject to change without notice.
5Visa Gift Card can be used at any location that accepts Visa Debit Cards. There is a one-time $2.95 purchase fee for the gift card. Following 12 consecutive months of inactivity, a monthly fee of $4.95 will be applied to any remaining balance. The card is issued by MetaBank.
*Offer valid on member’s first Engage Rewards credit card only. The amount of $2,000 must be spent on eligible purchases within the first 90 days of card activation to receive stated number of bonus points. Subject to change without notice.
Visa® is a registered trademark of VISA U.S.A. Inc.
