CREDIT CARDS
Visa Platinum Rewards
With a Visa Platinum Rewards credit card from Union Pacific Streamliner Federal Credit
Union, you have the flexible purchasing power to securely shop around the world at local
merchants, over the phone or online. Some of the great features include:
- NO Annual Fee.
- Low variable interest rate.
- Earn points on all your purchases and redeem for merchandise, travel, gift vards and CASH!
- Manage your Visa Platinum Rewards with our MyUPSFCUVisa mobile app on your smart phone.
- Set up Notifications & Alerts and set spending limits.
- Online access at www.upcu.org including estatements.
- NO Fee Balanace Transfers. Transfer your hight intereste balances to your Visa Platinum Rewards with no additional fee.
Still need convincing? Open a NEW Visa Platinum Rewards card and
- Earn 3X points on your purchases during the first 90 days!
- Transfer your high interest rate credit card balances on your new Visa Platinum Rewards and have a low fixed rate of 9.99% APR for one year… with no Balance Transfer Fee!
APPLY NOW
MyUPSFCUVISA Mobile App
Unlock the capability of your Visa Platinum Rewards card by downloading our MyUPSFCUVisa mobile app. This powerful mobile app available through the Apple App Store or GooglePlay store allows you to quickly manage your account. Some of the great features include:
- Quickly see your transaction history, current balance and credit available.
- Quickly see your rewards point balance.
- Make a payment and see your payment history.
- Quickly turn off your card if misplaced, and turn it back on.
- Set Travel Notifications.
- Set up Alerts & Notifications.
- Dispute charges due to fraud or merchant issues.
- Report Lost or Stolen.
- And much more!
VISA PLATINUM REWARDS SOLICITATION DISCLOSURE
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 13.90% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 13.90% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 13.90% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
| Annual Fee | None |
| Transaction Fees – Balance Transfer Fee – Cash Advance Fee – Foreign Transaction Fee |
None None 1.00% of each transaction in U.S. dollars |
| Penalty Fees – Late Payment Fee – Returned Payment Fee |
Up to $25.00 Up to $25.00 |
How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases) (including new balance transfers and cash advances).”
Effective Date: The information about the costs of the card described in this application is accurate as of: September 15, 2020. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum Rewards is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
- Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
- Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
- Card Replacement Fee: $5.00.
- Document Copy Fee: $1.50.
- PIN Replacement Fee: $1.00.
- Rush Fee: $20.00.
- Statement Copy Fee: $3.00.
Our Office
1400 Douglas Street - Mailstop 0040
Omaha, Nebraska 68179-1001
Get in Touch
Phone
Local: (402) 544-2500
Toll-Free: (800) 370-2260
Text Us
(402) 501- 7473
E-mail
memberservice@upcu.org
ABA Routing Number
304083451