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Rewards Visa® Power Card™

Regular rates from 8.99% to 17.99%** APR UECU’s Visa® Power Card™ you have the power to shop with ease and peace of mind, knowing that you have one of the best cards out there!

  • Earn REWARDS - for every $1.00 spent you will receive one VantagePoint™.* Use those points for gift certificates, cash back or loan rate discounts
  • If you have to carry a balance rest easy knowing you enjoy a competitively low rate
  • Save money with no annual fees, no balance transfer fees, and no transaction fees for purchases


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 certificates 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.
  • Zero liability for unauthorized use.
  • Verified by VISA online shopping protection.
  • 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.

* 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.
** Rate is based on an evaluation of credit-worthiness criteria. Actual rate may differ. 1.99% Intro Rate offer is for first time cardholders only.

Mailing Address for Visa Payments:
Utilities Employees Credit Union
P.O. Box 4518
Carol Stream, IL 60197-4518
* Please note this address is for Visa payments only.