University Of Wisconsin Credit Union Visa Signature Rewards Card

Nationwide

Availability

Eligibility requirements

* Wisconsin resident who is enrolled in or has previously attended any accredited institution of higher education nationwide. * Live, work or attend school within 5 miles of any branch location * Employee, student or alumni of UW schools, colleges and ext
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

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

Web

uwcu.org

Phone

(833) 327-7372

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

Purchase interest rate and fees

20.66% – 28.75%*

*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
619 or less	28.38%	2 dollar sign symbols Pay average interest
620-719	23.96%	2 dollar sign symbols Pay average interest
720+	20.81%	2 dollar sign symbols Pay average 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: None
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 27 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance excluding 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: Late Fees are $25 or equal to MPD, whichever is less.
Over-limit fee: None

Rewards and perks

Cash back

Services

Automobile rental insurance
Extension on manufacturer’s warranty
Travel and Emergency Assistance Baggage Delay Reimbursement Trip Delay Reimbursement Lost Luggage Reimbursement Purchase Security Travel Accident Insurance Trip Cancellation and Interruption

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
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

0%*

+

Variable

Balance transfer fee details: There is no fee for Balance Transfers at the regular rate. Our 0% Balance Transfer Promotion incurs a 3% or $10 fee, whichever is greater.

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

20.66% – 28.75%*

+

$2

*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
619 or less	28.38%
620-719	23.96%
720+	20.81%

The cash advance fee is charged for each cash advance.

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.