VISA Credit Card
Choosing the right credit card can be overwhelming because there are so many options to choose from. Isn’t it time you considered the UFirst VISA Credit Card? It doesn’t come with outrageous fees or rates. With its sleek new look and many benefits, it’s the card you’ll want at the top of your wallet!
Card-Carrying Members Enjoy:
- Being rewarded for every dollar spent
- Added protection of EMV-chip technology
- Tap-to-pay
- Manage your card online 24/7
- Rates as low as 7.90% APR*
- No annual fee
- Balance Transfers*
- No fee for cash advances
Share Secured
Just starting out or needing to re-establish your credit? Our Share Secured VISA Credit Card is the perfect option for you! What does share secured mean? A secured card is backed by funds in your savings account. So, the $250.00 credit limit minimum is secured in your savings while you use the credit card to build a positive credit history. Use the card responsibly and once you’ve built up your credit, you could qualify for an unsecured card – one that doesn’t require funds to be secured by your savings.
- No minimum credit score to qualify
- Helps you build a positive credit history
- Earn dividends on the funds used to secure the account
- Fixed rate of 9.90% APR*
- No annual fee
- Credit limit is a minimum of $250.00
Reward Yourself
Did you know that each time you use your UFirst VISA Credit Card, you earn valuable UChoose Points toward travel and gift rewards?
When you buy groceries, gas, go to the movies or out to dinner, pay with your UFirst VISA Credit Card and earn Bonus Points for every dollar you spend. Your Bonus Points can be redeemed for brand-name merchandise or if travel is more your style, redeem your points for hotel stays or vacation packages.
Members can access UChoose Rewards by visiting www.uchooserewards.com. This same link can be used for both debit and credit cards, as members are able to pool their rewards together when eligible.
- Debit cards earn 0.5 points per dollar spent on qualifying transactions
- Credit cards earn 1.0 point per dollar spent on qualifying transactions
Lost or stolen card
The moment you realize your card has been compromised, report it immediately by calling 518.324.5700 ext 3. The faster you let us know, the faster we can help protect you from fraud.
Make a Payment
Making your credit card payments on time is a sure way to avoid late fees and keep your credit in good standing. How you pay is up to you, but we’re here to make it easy. Check out the option that works best for you!
- Make your payment conveniently online via the UFirst mobile app or online banking
- Pay from an account you have somewhere else using Message Pay
- Stop by any of our branches to pay in person
- Call us at 518-324-5700 option 1 to pay over-the-phone
- Pay by Mail
Activate card
To activate your UFirst VISA Credit Card, call the number provided on the front of your new. Be sure you are calling from the phone number associated with your credit card account. If you have issues activating your card, please contact our VISA team at 518-324-5700 option 3.
Online Access
UFirst VISA Credit Cards can now be accessed via the UFirst mobile app & online banking. All of your card and accounts all in one convenient spot! You can also enroll in eStatements, make payments and more.
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Travel Alerts
Setting a travel notice lets us know that you may be using your card in places outside of your normal spending area. By providing us with the dates of your trip and your destination, especially if it's outside the U.S., helps to ensure your card won’t be suspected of fraudulent activity. If a travel notice is not placed on your card, transactions may be declined due to fraud protection services.
Click the link below to securely submit your travel alert to us. Please know that if you submit your travel alert after business hours or on the weekend, it will not be processed until the next business day. You can also add travel alerts via the UFirst mobile app anytime!
Let Us Know
APR (annual percentage rate) is subject to change and may increase or decrease based on certain creditworthiness not to exceed state law.