USES

U First Visa® from United Federal Credit Union Review

U First Visa® from United Federal Credit Union — all information about the credit card.

Updated December 19, 2023
Advertiser Disclosure Our Methodology
United Federal Credit Union U First Visa®
Apply now
Our Rating:
3.61 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Intro APR for the first 6 months
  • Regular APR:
    12.99% - 18.00% Variable
  • Balance Transfer APR:
    12.99% - 18.00% Variable
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Apply now

Rate and fee information

  • Purchase Intro APR
    • 0% Intro APR for the first 6 months
  • Purchase APR
    • 12.99% - 18.00% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 12.99% - 18.00% Variable
  • APR for Cash Advances
    • 12.99% - 18.00% Variable

Fees

  • Annual Fee
    • $0
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on purchases
Cons:
  • No Intro APR period on balance transfers
  • No rewards

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • Payment Flexibility
  • Fair Credit
  • Good Credit

About the issuer

United Federal Credit Union
United Federal Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
3.8 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
3.91 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 17.99% - 27.99%
    Regular APR
  • 10%
    You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site

See Another Credit Cards in the Bank

United Federal Credit Union U First Visa® is an option for those, who need Classic features. With an APR of 12.99% - 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With United Federal Credit Union U First Visa® you will get such features as 0% Intro APR, Low interest, No Annual Fee, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Low income
First Access Visa® The Bank of Missouri
First Access Visa® Card
4.2 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website