
The Universal Rewards Plus Visa Signature Card is a game-changer for travelers. With this card, you'll earn 3X points on travel and dining purchases, which can add up quickly.
You'll also enjoy a $300 travel credit, which can be redeemed towards any travel-related expense. This credit can be used towards flights, hotels, or even car rentals.
The card offers a generous sign-up bonus of 60,000 points after spending $4,000 in the first 3 months. This is a great starting point for building your rewards balance.
Additionally, you'll get access to exclusive travel benefits, such as airport lounge access and a personal travel concierge.
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Card Benefits
The Universal Rewards Plus Visa Signature Card offers some amazing benefits that can help offset the cost of your annual fee. You can effectively wipe out the $99 annual fee in the first year by earning a $100 statement credit when you spend $100 within the first billing cycle after opening your account.
One of the standout benefits of this card is the one single-day theme park admission ticket to Universal's Islands of Adventure and Universal Studios Florida or Universal Studios Hollywood that you'll earn on your annual card anniversary when you spend $6,000 or more in a year.
You can also take advantage of 0% annual percentage rate financing when you spend $1,000 or more on a qualifying Universal vacation purchase, which can be a huge help when planning a theme park vacation.
The card earns 4% rewards on qualifying Universal purchases, making it a great choice for frequent visitors to the parks. You can also earn 2% on travel, gas and dining purchases, and 1% on all other purchases.
Rewards can be redeemed via a Universal FUNds Visa Prepaid Card, which can be used for Universal theme park purchases, flights, and hotel stays booked directly through the airline or hotel.
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Rewards and Bonuses
The Rewards and Bonuses of the Universal Rewards Plus Visa Signature Card are quite impressive. You can earn a $100 Statement credit when spending $100 within the first billing cycle after opening an account.
The anniversary bonus is a standout feature, offering a single-day theme park general admission ticket to one of three Universal Studios locations on your card anniversary after sending $6,000 or more with the card during each 12 billing cycle period. This can pay for itself with just this yearly bonus, especially considering the cost of going to Universal Studios theme park ranges from $119 to $179.
You'll also earn rewards on your purchases, including 4% back in rewards on qualifying Universal purchases, 2% back in rewards on travel, gas, and dining purchases, and 1% back in rewards on all other purchases. This 4% cash back on Universal Studios transactions is a nice feature that offers double the rewards of some other amusement and theme park credit cards.
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Welcome Bonus
The welcome bonus is a great way to get started with a new credit card. With the Universal Rewards Plus Visa Signature Card, new accounts can earn a $100 Statement credit when spending $100 within the first billing cycle after opening an account.
This bonus is a very simple-to-reach goal, making it easy to apply the credit to an upcoming vacation to a Universal Studios location. The bonus isn't mind-bending, but it's a nice way to get familiar with the card's rewards program.
To earn the welcome bonus, you'll need to spend $100 within the first billing cycle after opening your account. This is a relatively low threshold, making it accessible to many cardholders.
Studios Credit
There's a no-annual-fee Universal Studios credit card that earns 2% in rewards on qualifying Universal purchases and 1% on all other purchases.
The Universal Studios credit cards have varying rewards structures, with one card offering 4% rewards on qualifying Universal purchases, 2% on travel, gas and dining purchases, and 1% on all other purchases.
You'll need to spend $6,000 or more in a year to earn a single-day theme park admission ticket to Universal's Islands of Adventure and Universal Studios Florida or Universal Studios Hollywood on your annual card anniversary.
The Universal Rewards Plus Visa Signature Card has a $99-annual-fee, but it comes with more rewards and benefits than the no-annual-fee card.
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Best Credit for Flight Bookings
Using your credit cards for flight bookings can be a game-changer for Universal trips, especially if you don't live near the parks.
Most of us don't live near Hollywood or Orlando, after all, so points and miles can help save you money on flights.
You can use credit cards to earn points and miles that can be redeemed for free or discounted flights to Universal's parks.
Some credit cards offer great rewards for flight bookings, making them a valuable tool for saving money on your trip.
On a similar theme: How to Get Free Flights with Credit Cards
Reviews and Comparisons
The Universal Rewards Plus Visa Signature card has some competition in the market. The Disney Visa credit cards from Chase are a notable alternative, offering similar bonus categories at a slightly lower rate.
Here's a comparison of the Disney Visa credit cards with the Universal Rewards Plus Visa Signature card:
The Six Flags Rewards Visa from Credit One Bank is another close competitor, although it's no longer accepting new applications.
Comparisons

If you're considering getting an amusement park credit card, you're not alone - there are a few options out there to choose from. The Universal Rewards credit cards from FNBO have some competition from the Disney Visa credit cards from Chase.
Disney's credit cards offer comparable bonus categories to the Universal Rewards Plus Visa Signature, but at a slightly lower rate. The Disney Premier Card earns 2% in Disney Rewards Dollars on purchases at grocery stores, restaurants, gas stations, and most Disney locations.
Another competitor to the Universal Rewards credit cards is the Six Flags Rewards Visa from Credit One Bank. This card earns 3X points on eligible Six Flags purchases, 2X points on eligible gas, grocery, and lodging purchases, and 1X on all other purchases with the card.
The Disney Premier Card comes with a $95 annual fee, while the Disney Visa Card has no annual fee. The Disney Premier Card also offers a $300 statement credit after spending $1000 in the first three months, while the Disney Visa Card offers a $150 statement credit after spending $500 in the first three months.
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Here's a comparison of the Disney credit cards:
Plus Review
The Universal Rewards Plus Visa Signature Card is designed for saving big money at Universal Studios, including Universal Islands of Adventure, Universal Studios Florida, and Universal Studios Hollywood.
You'll get 10% off select merchandise, food, and beverage with this card, which is a great perk for anyone who loves shopping or dining at Universal Studios.
This card is recommended for people with certain credit scores, but it's not specified what those scores are.
As a cardholder, you'll have access to exciting benefits and rewards, although it's not clear what those benefits are beyond the 10% discount.
The Universal Rewards Plus Visa Signature Card is a retail and entertainment credit card that's specifically designed for Universal Studios fans.
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Application and Decision
The Universal Rewards Plus Visa Signature Card is designed to make earning rewards easy and accessible. You can earn 3 points per dollar spent on dining, including takeout and delivery, which can add up quickly.

To get the most out of your card, it's essential to understand how the rewards program works. With the Universal Rewards Plus Visa Signature Card, you can redeem your points for a wide range of rewards, including gift cards, travel, and statement credits.
By making smart financial decisions and using your card responsibly, you can maximize your rewards earnings and enjoy the benefits of the Universal Rewards Plus Visa Signature Card.
For Whom Is This?
If you live, breathe, and love Universal Studios, its films, characters, or rides, you'll get the most value from this premium amusement park card.
The card is ideal for anyone who wants a card that offers additional cash back savings at the park, online through the Universal store, or even just on everyday categories like travel, dining, and gas.
Universal Studios fans will appreciate the card's benefits, making it a great choice for theme park enthusiasts.
Should You Apply for the Signature?

The Signature card from FNBO is a premium Universal credit card, but it may not be the best choice for everyone. It offers 10% savings and a free one-day general admission pass each year, but the benefits might not outweigh the costs for those who don't frequently visit Universal Studios.
If you're a big fan of Universal Studios and want maximum rewards at the park, this card might be a good fit. You'll earn rewards specifically at Universal, which could be a big plus for frequent visitors.
However, if you're not a die-hard Universal fan, you might find more value in other credit cards that offer everyday rewards. The Savor from Capital One, for example, provides more options for earning rewards, including at theme parks.
Consider your spending habits and preferences before applying for the Signature card. If you can live without the free park admission each year, you might want to look into the no annual fee Universal Rewards Visa Signature.
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Conclusion
The Universal Rewards Plus Visa Signature card is a game-changer for theme park enthusiasts.
Using your credit card rewards can significantly reduce the costs of your vacation, making it easier to have fun at a theme park. Thankfully, options exist for using your credit card points to pay for Universal theme park tickets, hotels, and flights.
You can earn rewards that can be redeemed for these expenses, making your trip more affordable.
Frequently Asked Questions
What credit score do you need for a Visa signature card?
To qualify for a Visa Signature card, you'll need a credit score of 680 or higher. This card offers exclusive benefits, including a 24-hour concierge service and shopping savings.
Sources
- https://thepointsguy.com/news/new-universal-credit-card/
- https://attractionsmagazine.com/visa-cardholders-lounge-universal-studios-florida/
- https://www.bestcards.com/credit-cards/universal-rewards-plus-visa-signature/
- https://notre.virtualuncp.edu.pe/en/universal-rewards-plus-visa-signature-card.html
- https://thepointsguy.com/credit-cards/best-credit-cards-for-disney-and-universal/
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