Credit Cards

Enjoy No Balance Transfer Fees & Low Rates

Visa® Credit Cards

Compare our rates to the competition 

UFCU Visa® Gold Card
Enjoy our lowest APR*

Our Visa Gold Card offers LOW interest rates with no surprises. An ideal option for debt consolidation with the following features:

  • Rates as low as 7.75% APR* on purchases and cash advances
  • Balance transfer 0ffer 3.25% APR* for 12 billing cycles for your initial balance transfer
    Subsequent balance transfers will be at your current card interest rate, then keep the savings going
    and enjoy a low-rate card of 7.75% APR*.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • Up to $20,000 credit limit
  • Manage your credit card online with EzCardInfo
  • FREE credit score thru Online Banking
     

UFCU Visa® Platinum Rewards Card
Get rewarded for being financially healthy

Our Visa® Platinum Rewards Card offers these valuable benefits for greater purchasing power:

  • Rates as low as 9.75% APR* on purchases and cash advances
  • Balance transfer Offer  3.25% APR* for 12 billing cycles, for your initial balance transfer
    Subsequent balance transfers will be at your current card interest rate, then keep the savings going
    and enjoy a low-rate card of 9.75% APR*.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • Up to $20,000 credit limit
  • Manage your credit card online with EzCardInfo
  • Earn 1 point for every $1 you spend
  • Earn 2x, 3x, 4x EXTRA points from participating retailers for purchases made online or in stores
  • Airline rewards for worldwide destinations
  • Hotel, car, cruise and vacation rewards
  • Redeem REWARDS points for travel, merchandise or gift cards
  • Points never expire as long as your card is active and in good standing
  • FREE Credit Score thru Online Banking
     

Credit limit increase request

Requesting a limit increase on your existing UFCU Visa® Credit Card account is easy.  Simply submit the below credit card application with the new amount.  A representative will contact you within two business days. 


   

applyNow

 

 

If you are not currently a credit union member, be sure to complete our membership application.  Your personal information is safe and secure with Unilever Federal Credit Union. 


Have Questions? Contact Us

John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.


For more information, please see our credit card
agreement.

 


Information accurate as of 05/08/2024
* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit  limits over $10,000 require a minimum 760 FICO credit score.

UFCU Visa® Gold
Balance Transfer– **3.25% Introductory APR applies to the first 12 billing cycles for your initial balance transfer, After that, your APR will be 7
.75% to 13.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.
Subsequent balance transfers will be at your current card interest rate.


UFCU Visa® Platinum Rewards
Balance Transfer – **3.25% Introductory APR applies to the first 12 billing cycles. for your initial balance transfer, After that, your APR will be 9.75% to 14.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.   
Subsequent balance transfers will be at your current card interest rate.

Balance Transfer


Why pay more?
Transfer your balances from other high-rate credit cards, personal, student or auto loans to your UFCU Visa® Card and you’ll be paying less interest.  

And you’re not limited to just one transfer – you can transfer over any number of balances up to your available credit limit. 

Balance Transfer 3.25% APR* for 12 billing cycles, for your initial balance transfer.  Subsequent balance transfers will be at your current LOW card interest rate.

No annual or balance transfer fee 
Up to $20,000 credit limit
Consolidate up to three debts or accounts


Keep the savings going, after the intro balance transfer offer and enjoy LOW APR interest rates, as low as
:

7.75% APR** UFCU Visa® Gold or
9.75% APR** UFCU Visa® Platinum Rewards
Click here to learn more about our credit card program

What types of account can you transfer?
Essentially, you can transfer almost anything with a balance as long as your credit line is sufficient enough to cover the balance:

  • Credit cards, store cards
  • Personal loans, auto loans
  • Student loans

Balance Transfers always Active
As long as you do not exceed your card limit and your card account is in good standing, you can request additional balance transfers. Subsequent balance transfers will be at your current LOW APR rate.

Here’s what you’ll need for a balance transfer
Have the following ready before accessing the form:

  • Copy of most recent credit card statement (please attached a PDF version statement)
    We only need the first full page of the statement
  • Provide the full credit card number
  • Amount to be transfer
  • Complete the DocuSign document below.  Our team will walk you through the process.
    This may include UFCU membership and/or new credit card opening


 

How long does a balance transfer take?
The process might take 2-4 business days.  Please continue making payments on your current card until your transfer is reflected on your creditors statement.   We will pay off your balance(s) electronically or mail a paper check. Monitor activity on your old card for 1-2 months for any accrued interest or unexpected charges.

 

Got Questions? We’ve got answers!
Send us an email: angelica.calderon@unilever.com or give us a call at 203-816-4069.

 


Balance transfers may not exceed your Visa credit limit.
Balance transfers may not be used to payoff or pay down amounts you owe on your UFCU credit card or loan.  

Please note that it may take up to 2 weeks for your creditor to apply payment. Please continue making payments until your transfer is complete and reflected on your creditors statement.

Checks will be issued directly to the creditor(s) or pay online. The credit union is not responsible for payments which are late or lost in the mail.

Information accurate as of 05/08/2024
* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit  limits over $10,000 require a minimum 760 FICO credit score.


UFCU Visa® Gold

Balance Transfer– **3.25% Introductory APR applies to the first 12 billing cycles for your initial balance transfer, After that, your APR will be 7
.75% to 13.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.
Subsequent balance transfers will be at your current card interest rate.


UFCU Visa® Platinum Rewards
Balance Transfer – **3.25% Introductory APR applies to the first 12 billing cycles. for your initial balance  transfer, After that, your APR will be 9.75% to 14.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.   
Subsequent balance transfers will be at your current card interest rate.

 

ScoreCard Rewards

Earn Rewards Points With Your UFCU Visa® Platinum Rewards Card!SC-SM-Skyscraper-160x600-2013

Did you know that each time you use your UFCU Visa® Platinum Card for purchases you earn ScoreCard Rewards Points? Every card is automatically enrolled in the program, so you don’t have to wait to start earning points.

ScoreCard Rewards offer a great selection of brand-name merchandise and travel options. To find out what awards are available, visit the Travel and Merchandise sections of the ScoreCard Rewards website www.ScoreCardRewards.com


Check current points/Redeem your points
Maximize your rewards

Cashing in on ScoreCard Rewards is simple!
Visit www.ScoreCardRewards.com to create your profile. Once your profile is created, you can view your reward balance, search and view all available redemption options, and redeem your points for rewards!

Be sure to use your cards for all of your everyday purchases and then watch your points add up quickly!

Speak with a ScoreCardRewards representative about the program 1-800-854-0790.


Travel Rewards

To make reservations or cancel through ScoreCard Rewards call the Travel Department 1-800-842-3006.


Earn Faster

Consider using your card on these everyday purchases to earn even more points:

 Expenses  Monthly Points and $ Annual Points 
 Groceries  $600  7200
 Dining/Entertaiment  $300 3600 
 Utilities  $300  3600
 Phone/Internet  $300 3600
 Gas  $200 2400
 Auto Insurance  $200 2400
 Total Annual Points    22,800

 

*Rewards availability is determined by ScoreCard® program providers. Visit www.ScoreCardRewards.com for current merchandise and travel rewards. ScoreCard Purchase Rewards are governed by the terms of your agreements and may have certain limitations.

 

Youth Cards

Help your teen begin to build solid credit history and learn the importance of financial responsibility.  With a smaller credit limit, your teen will learn the fundamentals of having and using a credit card. With credit line limits of $500-$2,000 the UFCU Visa Youth card will provide your teen the opportunity to build solid credit history.


Features

  • Low rates
  • Credit limit from $500 to $2,000
  • All the same great features and benefits that come with The UFCU Visa® Gold or Platinum Rewards Card
  • Manage your credit card account online with EZCardInfo
  • Complimentary access to free credit score thru Online Banking


    UFCU College Visa®
    Ideal for students looking to build their credit

UFCU is committed to providing our student members with the necessary tools to build a strong financial future. With an UFCU College Visa® Card you can earn great perks and rewards while also establishing a credit history, which will be helpful down the road.

Features

  • Low rates
  • Credit limit from $500 to $2,000
  • Access to credit for international students (no foreign transacitons fees)
  • Manage your credit card account online with EzCardInfo
  • All the same great features and benefits that come with The UFCU Visa® Gold or Platinum Rewards Card
  • Complimentary access to free credit score thru Online Banking
  •  

Card Requirements

  • Must be 18 years of age
  • A co-borrower is required (parent. Guardian)

Important: Credit Card payments and limits will report to the credit bureaus for both individuals (youth and parent/guardian).

If the parent/guardian wishes to be removed from the card once their youth is independent, the youth will need to submit a new credit card application to complete this process. 

 


  • To make this process easier you will want to have the following available for
    Applicant and Co-Applicant (if applicable):

    • A U.S. Social Security Number
    • Proof of identity (Driver’s License, Passports are accepted)
    • A copy of most recent pay stub 

     

 

applyNow 

 

 

If you are not currently a credit union member, be sure to complete our membership application.


Have Questions? Contact Us

John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

Your personal information is safe and secure with Unilever Federal Credit Union

For more information, please see our credit card agreement

 



Information accurate as of 05/08/2024
* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit  limits over $10,000 require a minimum 760 FICO credit score.  

UFCU Visa® Gold
Balance Transfer– **3.25% Introductory APR applies to the first 12 billing cycles for your initial balance transfer, After that, your APR will be 7
.75% to 13.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.
Subsequent balance transfers will be at your current card interest rate.


UFCU Visa® Platinum Rewards
Balance Transfer – **3.25% Introductory APR applies to the first 12 billing cycles. for your initial balance transfer, After that, your APR will be 9.75% to 14.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.   
Subsequent balance transfers will be at your current card interest rate.

  
   
   
 

Visa® Benefits

UFCU Visa® Cards Benefits
UFCU has a variety of mechanisms in place to protect members from fraud and loss:

 

*View Visa®’s Guide to benefits



Visa® offers + Perks
Save money with special offers from Visa®.  Discover the discounts available for UFCU Visa® cardholders from national retailers, local restaurants, entertainment and online shopping. Check back often as the offers change on a regular basis.

Visa® Perks

 


Enjoy the benefits of membership Join US Today!
 

Have Questions? Contact Us
John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

 

Helpful Card Information

Credit card online account management
Visit www.ezcardinfo.com to register and access your credit card information, statements and to make payments online.

Contact logging support if you have trouble using eZCardInfo  
If you experience difficulties in accessing ezcardinfo, forgot the User ID or password call logging support:
1-866-604-0380.

Report a lost or stolen credit card/Customer Service/Dispute
Call: (800) 615-1161.

International Calls: (727) 227-7264.

Reporting a dispute:
Before disputing a charge, we recommend you attempt to resolve the dispute with the merchant. Often the merchant can answer your questions and easily resolve your dispute.  If you were not able to resolve the issue with the merchant or service provider, then call the above number to initiate a dispute.  Visa® /dispute department will confirmed the transaction by mail in approximately 15 days.

Find the status of your dispute:
Once you have a case number, call 1-800-600 5249.  Option 1 for cardholders. You must provide the claim/case number.

Fax your dispute information to 1-800-253-1220 (include details for each transaction: date, amount, merchant’s name.

Generally, disputes can be resolved in 60 days.  Additional information may be requested.


Payment by mail is available

Mail a check payable to Visa® with your payment slip to:
Visa®
P.O. Box 4521

Carol Stream
, IL 60197-4521


Credit Card Rewards
Visit www.ScoreCardRewards.com to create your profile. Once your profile is created, you can view your reward balance, search and view all available redemption options, and redeem your points for rewards!
Speak with a ScoreCardRewards representative about the program 1-800-854-0790.

Travel Rewards
To redeem/cancel travel rewards call 1-800-842-3006.

Change of address or all other correspondence
EZcardinfo will not allow you to update your profile. The easiest way to update your profile is by using your credit union online banking.  Click on the upper right corner (small sun symbol) to update your profile. 
This will update your profile in all your credit union accounts.

If you do not have access to your credit union online banking please contact us by mail or email:

Unilever Federal Credit Union
P.O. Box 1112
Englewood Cliffs, NJ 07632

angelica.calderon@unilever.com
john.holtzhauer@unilever.com