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3.99% APR 12 Month* Promo Rate

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Save Money - No Balance Transfer Fees

Reduce Credit Card Debt

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VantagePoints™ can be redeemed for cash back, gift cards & loan rate discounts.†

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*APR = Annual Percentage Rate. Following 12 complete monthly UECU credit card statement cycles, any remaining balance will change to normal pricing and accrue interest at the interest rate identified in your credit card agreement and disclosure.
†Transactions must be signature-based; PIN-based transactions do not earn VantagePoints™. Points are earned net of credits. See for complete VantagePoints™ Network rules.