7/28/2016

Visa® Gold |

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Visa® Gold

A convenient way to access credit with a limit that can increase with your
needs.

With our UFCU Visa® Gold card you receive:

Credit limits from $5,000

Earn valuable CardPerks Rewards points with your purchases.2 Earn 1 point for every 2 dollars
you spend. Use points toward round-trip tickets on major airline carriers, cruise vacations, hotel
packages, car rentals, and various merchant gift cards and certi(cid:214)cates of your choice.

$400,000 Travel Accident Insurance on travel purchased with your UFCU Visa® Gold card.

Auto Rental Insurance saves you the expense of the collision damage waiver when you charge
your car rental to your Visa® Gold.

Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one
additional year, on all goods charged to your Visa® Gold card.3

Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you
are.4

https://unitedfcu.com/personal/bank/card­services/visa­credit­cards/visa­gold/

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Visa® Gold |

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Features

Low interest rates

No annual fees1

25 days of interest-free grace period on your purchases1

Low minimum payments

Easy balance transfers, with no fee or higher interest rate.1 Click here for more information.

NO cash advance fees1

Low cost credit protection insurance

Apple Pay TM

Visa Checkout®

The convenience of automatic payment: no need to think about sending a check, no worrying
about late fees!1

For ultimate card convenience, all United Federal Credit Union Visa® cards can also be used in
nationwide networks of Automated Teller Machines (ATMs) to obtain cash advances on your
Visa®.

Veri(cid:214)ed by Visa® protects your existing Visa® card with a personal password, giving you
reassurance that only you can use your Visa® card online. Click here for details.

VISA Credit Card Agreement

*APR = Annual Percentage Rate. The Annual Percentage Rate is based on the best advertised rate for a UFCU Visa Platinum Card
interest rate of 10.24% APR; Visa Gold 13.24% APR; Visa Classic 15.24% APR. Foreign transaction fee of 1% of each transaction in U.S.
dollars if the transaction does or does not involve a currency conversion. Rates may vary and are accurate as of 12/18/2015. Subject to
credit approval. Rates subject to change at any time without notice. 
1. There is no grace period on balance transfers; a (cid:214)nance charge (based on the account’s current Annual Percentage Rate) will be
imposed from the date the transfer is posted to your credit card account. A list of additional fees can be found in the chart below. 
2. Subject to CardPerks Reward program terms and conditions. See Program Rules for more information. 
3. Warranty Manager-Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your
card. 
4. Subject to program terms and conditions. See the applicable Bene(cid:214)t Guides for more information.

Fees

https://unitedfcu.com/personal/bank/card­services/visa­credit­cards/visa­gold/

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Visa® Gold |

Annual Fee

None

Application Fee

None

Transfer Fees

Balance Transfer

None

Cash Advance

None

Foreign Transaction 1% of each transaction in U.S. dollars if the transaction involves a currency conversion

1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty

Penalty Fees

Late Payment

First occurrence – $27.00
Subsequent occurrences within 6 months – $37.00

Over-the-Credit
Limit

None

Returned Payment Up to $30 if your payment is returned for any reason

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UFCU Routing Number: 272484894  
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair
Housing Law and Equal Opportunity Credit Act. NMLS #471962.
Policies: Security, Online Terms & Conditions, Privacy Policy, Policies & Disclosures, Email Preferences
Copyright ©2016 United Federal Credit Union

https://unitedfcu.com/personal/bank/card­services/visa­credit­cards/visa­gold/

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Visa® Gold |

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