Rewards Visa® Power Card™

Introductory rate* 1.99% APR - Regular rates from 8.99% to 17.99% APR**

Need Help?
Call 800-288-6423 Ext. 4001

Dare to compare! Whether you’re researching your first credit card or you’ve experienced a negative change with some “other” credit card, we dare you to compare the “other” cards with a UECU Power Card™! You’re going to find some BIG differences!

Benefits of the UECU Visa®Power Card™:

  • Looking for a card that offers rewards? The Visa Power Card™ offers VantagePoints™ - a rewards network that can be used towards cash back, gift cards, and loan rate discounts! Receive 1 VantagePoint™ for every $1.00 spent.^
  • Save money with no cash advance or balance transfer fees. UECU does not charge you a percentage of the amount you advance or the amount you transfer from another credit card. Most credit card companies will charge you anywhere from 3.00% to 5.00% of the amount advanced or transferred.
  • Balance transfers and cash advances have the same LOW rate as purchases.
  • Amazing rates See rates page.
  • No annual fee, no transaction fee, no inactivity fee, no minimum finance charge.
  • Free auto rental insurance
  • $250,000 travel accident insurance
  • Free Warranty Manager - DOUBLES the manufacturer’s warranty up to 1 year.
  • Free price protection if you make a purchase with your Visa Power Card™ and you find the item for less, Visa will refund the difference.
  • Personal identity theft protection at no additional cost.
  • Fraud protection, including Fraud Alert Management account monitoring.
  • Card Controls - turn your card off or on with the click of a button; service is conveniently located in Advantages Online™ and the UECU Mobile Banking App.
  • Zero liability for unauthorized use.
  • Security and service – UECU offers a secure credit card and if you encounter a problem you actually talk to a live person…not a machine.
  • Convenient Visa E-Statements are available at no cost
  • 25-day grace period on purchases if balance is paid in full.
  • Cash advances may be obtained via an ATM displaying the PLUS symbol or at a financial institution displaying the Visa symbol.
  • Convenience checks available upon request for easy cash advances.
  • Flexible payment methods via AutoPay (includes internal transfer from UECU deposit account or transfer from another financial institution).
  • Emergency card/cash disbursement.
  • Optional low cost life insurance.
  • Low foreign transaction fee when you use your Visa Power Card™ outside the U.S. – UECU charges you what Visa charges us and we don’t increase the fee. You’ll pay 1.00% of the converted transaction amount for all multiple currency transactions and only 0.80% for all single currency transactions. Many banks charge you up to 3.00% on foreign credit card transactions.
  • Add an Authorized UserWhat is an authorized user?
  • Lost or stolen cards can be reported outside UECU’s normal business hours by calling 800-543-5073.

APR = Annual Percentage Rate. *Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. **At the time of your card application, your regular interest rate is based on an evaluation of credit-worthiness criteria and is identified in your Visa Power Card™ Credit Agreement and Truth-In-Lending Disclosure. Following 12 complete monthly UECU credit card statement cycles , all balances, existing and new, will change to normal pricing and will accrue interest at the interest rate identified in your credit agreement and disclosure. 1.99% APR Intro Rate offer is for first time cardholders only.
^Transactions must be signature-based; PIN-based transactions do not earn VantagePoints™. Points are earned
net of credits. Rate reduction can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.

Mailing Address for Visa Payments:
Utilities Employees Credit Union

Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702

* Please note this address is for Visa payments only.