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Have questions? Need help? Call 800.288.6423

Rewards Visa Power Card

12 Month Introductory Rate1.99% APR*
Low Regular Rates8.99% – 17.99% APR* on purchases, balance transfers, and cash advances
Plus, earn the same low rates on your transferred balances as on new purchases
NO ANNUAL FEENo annual fee – plus no cash advance fee, no transaction fee, no balance transfer fee, no inactivity fee, and no minimum finance charge.
EASY REWARDSEarn 1 UECU VantagePoint™ for every $1 you spend!
Redeem your points for cash back, gift cards, & loan rate discounts!
Earn Extra PointsStart off half-way to your first reward! Earn 1,500 when you activate and use your card. Earn Extra Points for the first 30 days after receiving your card!^
VantagePoints™ add up quickly … 3,000 Points = $25 Gift Certificate
FREE PERKSEnjoy free built-in perks like Visa global assistance, fraud protection, personal identity theft coverage, auto rental insurance, travel accident insurance, and much more!
SHARE-SECURED Visa®8.25% APR†† on purchases, balance transfers, and cash advances

Share-Secured Visa® Power Card

UECU’s Share-Secured Visa® Power Card™ preserves your Share Savings Account balance while having funds available when you need them. Enjoy the flexibility of a credit card without the stringent credit guidelines usually necessary to qualify. It’s a WIN–WIN situation!

  • Save money with a LOW variable rate by securing the funds in your Share Savings Account as collateral while continuing to earn dividends on those funds.
  • Improve or rebuild your credit for a future of financial well-being.

Earn REWARDS – for every $1.00 spent you will receive one VantagePoint™.† Use those points for gift cards, cash back or loan rate discounts.

Click here for Current Rates

Ready to Get Started?
Call 800.288.6423 or Apply Online.

Flex HELOC Visa® Card

Enjoy one of our lowest rate credit cards by making your home’s equity work for you.

  • Save money with no annual fee, no balance transfer fees, and no transaction fees for purchases
  • Relax and enjoy the ease of accessing your line of credit up to 100% of the value of your home

Click here for Current Rates

Ready to Get Started?
Call 800.288.6423 or Apply Online.

UECU Credit Card Benefits:

  • Same low rates for cash advances and balance transfers
  • No annual fee, no transaction fee, no inactivity fee, no minimum finance charge
  • Low foreign transaction fee when you use your card outside the U.S.
  • Reward points on your daily purchases (certain restrictions apply)
  • 24-hour account access with online and mobile banking
  • Convenient Mobile Pay Services with Apple Pay™, Android Pay™, and Samsung Pay
  • Card Controls
  • Warranty Manager Service
  • Personal Identity Theft Benefit
  • ID Navigator benefit, powered by NortonLifeLock
  • Price Protection (Visa Power Card™ only)
  • Auto Rental Collision Damage Waiver
  • Visa Card Travel and Emergency Assistance Services (Flex HELOC only)
  • Travel Accident Insurance (Visa Power Card™ only)
  • Visa Global Assistance Services
  • Visa Click to Pay
  • Visa Purchase Alerts

For more information about credit card benefits, refer to the Visa Card Guides to Benefit below:

*Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits andrestirctions apply.

Mailing Address for Visa Payments:
Utilities Employees Credit Union
Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702

Please note: this address is for Visa payments only.

*APR=Annual Percentage Rate. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa Power Card™ during the first 12 months after its issue. At the time of your card application, your regular interest rate is based on an evaluation of credit-worthiness criteria and is identified in your Visa Power Card™ Credit Agreement and Truth-In-Lending Disclosure. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at the regular interest rate identified in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice.

†Points earned on Visa purchases – exclusions may apply. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. New Visa Power Card™ holders earn 2 points for every $1 spent on purchases for the first 30 days. Cardholders earn 1 point for every $1 spent thereafter. Rate reduction reward can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. 10,000 points is required to redeem a .25% rate reduction. Rate reduction is limited to a maximum of .25% per new loan. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. For complete VantagePoints™ rules, visit

^Activation and first purchase points are earned on new cards only, not reissued or replacement cards. They are only offered for the first 90 days after account opening. For joint cardholder accounts, bonus activation and bonus first transaction points apply only to first card to activate or transact.

††Share Secured Power Card rate is based on Wall Street Journal Prime Rate (“index”) plus 0.00% (“margin”) and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 10/1/2023.