University Bank University Bank Visa Credit Card | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

Phone

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

11.5% – 19.5%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	15.5%	1 dollar sign symbol Pay less interest
720+	11.5%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each purchase
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment
Over-limit fee: $25
Returned Payment Fee: $25 (When a payment is returned NSF.)
Replacement Card Fee: $10 (When a replacement card is requested.)
Additional Card Fee: $10 (When an additional card is requested.)
Duplicate Statement or Document Copy Fee: $5 (When a duplicate statement or copy is requested.)
Expedited Delivery Fee: $50 (When a card is requested to be sent overnight.)

Rewards and perks

Travel and other

Other rewards: Reward points redeemable at WWW.SCORECARDREWARDS.COM

Services

Travel Accident Insurance

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

11.5% – 19.5%*

+

$0

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
620-719	15.5%
720+	11.5%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.