Credit Union Credit Cards Offer Unique Benefits

Credit union credit cards offer a range of benefits that can help you save money and improve your financial situation.

One of the main advantages of credit union credit cards is that they often have lower interest rates than traditional bank credit cards. This can save you a significant amount of money in interest charges over time.

Credit unions are not-for-profit organizations, which means that they don't have to worry about making a profit like banks do. This allows them to offer more competitive rates and fees.

As a result, credit union credit cards often have lower fees, such as annual fees and late fees. This can help you save even more money and avoid unnecessary charges.

With a credit union credit card, you can enjoy a range of benefits that make managing your finances easier and more rewarding. These benefits include competitive rates, fee-free balance transfers, and cash advances.

You can also take advantage of travel benefits, such as travel and emergency assistance services, travel accident insurance, and auto rental collision damage waiver. These services can provide peace of mind when you're on the road.

Some credit union credit cards have even fewer fees, with no balance transfer fee, cash advance fee, foreign transaction fee, or annual fee. This can save you money and make your card more affordable.

Here are some of the key travel benefits you can expect with a credit union credit card:

CU1 Benefits are designed to help you make the most of your credit card. With competitive rates, you can expand your purchasing power and build credit.

One of the standout features is the absence of balance transfer fees, cash advance fees, foreign transaction fees, or annual fees. This means you can use your credit card without worrying about extra charges.

You can enjoy low, competitive rates on purchases and balance transfers, with APRs ranging from 14.00% to 18.00% after 6 months. This can help you save money on interest and make the most of your credit card.

Some CU1 credit cards offer introductory rates as low as 1.99% - 6.99% APR* for the first 6 months on balance transfers and purchases, based on creditworthiness. This can be a great opportunity to save even more money on interest.

Here are some key benefits of CU1 credit cards at a glance:

Traveling can be stressful, but with the right benefits, it can be a breeze. You can receive all of these benefits with a Visa Signature Rewards Card.

Travel & Emergency Assistance Services are available to help you in case of an emergency while traveling. This service can provide you with medical and legal assistance, as well as help you locate a doctor or lawyer.

Travel Accident Insurance is a must-have for any traveler. It can provide you with financial protection in case of an accident while traveling. I've seen friends who have benefited from this type of insurance in the past.

Auto Rental Collision Damage Waiver can give you peace of mind when renting a car. This benefit can help you avoid the hassle of dealing with rental car companies in case of an accident.

Roadside Dispatch is a convenient service that can help you get back on the road quickly in case of a breakdown. This service can send a tow truck or other assistance to your location.

The following benefits are available to help you in case of trip disruptions:

Visa Signature Concierge Service is a great benefit that can provide you with personalized assistance and recommendations for travel and dining. This service can also help you make restaurant reservations and book travel arrangements.

You can enjoy a range of features with a credit union credit card, making it easier to manage your finances and stay on top of your spending.

One of the perks is the ability to see your credit score and full credit report for free, giving you a clear picture of your financial health. This feature is included with every card.

You can also set up email or phone alerts to stay updated on account activity, so you're always in the know. Notifications are a convenient way to stay on top of your spending.

With a credit union credit card, you can make purchases, reservations, pay bills, and get emergency cash when you need it. This is especially useful in a pinch.

Here are some of the key features you can expect with a credit union credit card:

Convenience is key when it comes to managing your finances, and the features of your credit card can make a big difference. You can make purchases, reservations, pay bills, and get emergency cash with your Columbia Credit Union Visa credit card.

The card provides instant digital access, allowing you to add your card to your digital wallet and view your card number within the app with just a few taps. This feature is available through the mobile app, which you can download to make payments even easier.

Notifications can be set up to stay updated on account activity, and you can even lock your card if you misplace it. This is a great feature for added security and peace of mind.

You can manage your Columbia CU accounts and accounts you may have at other financial institutions with the free Money Management tool within Online and Mobile Banking. This tool helps you keep track of your finances and make informed decisions about your money.

The card manager app allows you to place a freeze on your card, set limits, and monitor charges all from your phone. This app is a convenient way to manage your card's security and stay in control of your finances.

Here are some convenient features of the card:

Having the right credit card can make a big difference in your financial life. You can get a low-interest card or one that rewards you with every purchase, giving you more flexibility and savings.

With a credit card from a reputable credit union like Columbia Credit Union or Orlando Credit Union, you can enjoy exceptional purchasing power. You can make purchases, pay bills, and even get emergency cash when you need it most.

You can also manage your accounts and accounts you may have at other financial institutions with the free Money Management tool within Online and Mobile Banking. This makes it easy to keep track of your finances and stay organized.

One of the benefits of a credit union credit card is that you can consolidate high-interest debt to a low rate card, making it easier to pay off your debt sooner. This can be a huge relief and help you save money on interest payments.

Here are some benefits of Orlando Credit Union Visa credit cards:

Some credit cards, like the Gold Credit Card from CU1, offer even more perks, such as a lower APR that varies with the market and no annual fee. This can be a great option if you're looking for a low-cost credit card with flexible terms.

Using your credit card abroad is a breeze with Orlando Credit Union Visa credit cards, which are accepted worldwide.

You can travel with confidence, knowing your financial security is protected.

APR, or Annual Percentage Rate, applies to your credit card usage, and rates are variable, meaning they may increase over time.

Your individual rate is determined by your credit score and credit history.

You'll need to be a credit union member, pass a credit check, and provide accurate information on your application to be approved.

Rates and terms can change at any time without notice, so be sure to review your agreement carefully.

At our credit union, security is a top priority. All cards are protected with EMV chip technology to keep your information secure.

We take the safety of your personal and financial information very seriously. This means your credit card is equipped with the latest technology to prevent unauthorized transactions.

With EMV chip technology, you can feel confident in the security of your credit card.

If you're looking for a credit card that rewards you for your spending, credit unions offer some great options. With a credit union credit card, you can earn points that can be redeemed for cash back, gift cards, merchandise, travel, charitable contributions, and more.

Some credit union credit cards, like the Orlando Credit Union Visa Xtreme REWARDS credit card, offer bonus points when you load the card into your Digital Wallet for the first time - a nice perk that's essentially free money.

You can combine your credit card points with points earned through other everyday banking activities to maximize your rewards. This means you can earn points on multiple fronts, such as through credit card purchases, online banking, and mobile banking.

Here are some features to look for in a credit union credit card rewards program:

Rewards Points Programs offer a fun way to earn points for everyday purchases. You can combine these points with others earned through banking activities to redeem for cash back, gift cards, merchandise, travel, charitable contributions, or even pay credit union fees.

Some credit unions offer bonus points from national to local merchants. For example, loading your Orlando Credit Union Visa Xtreme REWARDS credit card into your Digital Wallet for the first time grants you 300 points.

You can easily review your reward points in online and mobile banking. This makes it simple to keep track of your progress and plan your next reward redemption.

Here are some key features of rewards points programs:

Some credit unions also offer the option to redeem points for a credit on your credit card or a deposit into your checking or savings account. This adds flexibility to your rewards program.

The gold card is a great option for those who want to save money on interest. With a gold card, you get a lower APR that varies with the market.

No annual fee is a big plus, especially for those who don't want to pay extra for the privilege of using the card. This means you can use the card without worrying about an extra charge at the end of the year.

A lower APR can save you a significant amount of money in interest charges over time. This is especially true for those who carry a balance on their card from month to month.

If you're looking for a card with low interest rates, the gold card is definitely worth considering.

UWCU members appreciate the bank's focus on member and privacy protection, a trait that has remained consistent since 1972.

Their quick response to credit card issues is impressive, with one member able to cancel a compromised card and get a replacement almost immediately through a local branch office.

Members value the convenience of being able to print cards in the branches, with one member calling it a "lifesaver."

The bank's efforts to protect members from credit card theft are evident in the positive feedback from its members, who appreciate the good work being done to safeguard their accounts.