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Personal Credit Cards

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Personal Credit Cards

Check Out Our New Card Collection

It is time to simplify all of your financial needs. Introducing a new line of credit cards from UCB. We have made selecting the right credit card easier than ever. Whether you want to earn rewards, quickly pay down a balance, or build credit, we have an option for you.

Community Points

The Community Points Card offers you all the benefits you expect from a card, and the helpful service you expect from UCB.

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View additional rates & disclosures

  • No Annual Fee
  • 15.99% - 20.99% Variable Purchase APR1
  • 0% Introductory APR for the first 7 months2
  • Earn 1.5% on every purchase, redeemable for gift cards, merchandise, travel, or cash back credit
  • One-time bonus of 15,000 points when you spend $3,000 in the first 90 days of account opening3
  • No Foreign Transaction Fees
  • Contactless Payment
  • Fraud Detection & Protection


Preferred

The Preferred card is our lower interest rate card, so if you need to carry a balance, this card may be a better option.

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View additional rates & disclosures

  • No Annual Fee
  • 12.99% - 20.49% Variable Purchase APR4
  • 0% Introductory APR for the first 11 month5
  • Lowest Rate Card
  • No Foreign Transaction Fees
  • Contactless Payment
  • Fraud Detection & Protection



Credit Builder

The Credit Builder Card is here to help you establish a credit line or re-establish credit by making timely payments.

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View additional rates & disclosures

  • $24 Annual Fee
  • 22.49% Variable Purchase APR6
  • UCB Savings Secured
  • Choose your credit limit up to $2,0007
  • Build Credit Responsibly
  • No Foreign Transaction Fees
  • Contactless Payment
  • Fraud Detection & Protection

Come by one of our locations to apply, or call us for more information.


Add an Authorized User

Want to add an Authorized User to your account? Click the link below, fill out the short form, and we will do the rest.

  • Simple sign up & card management
  • Separate cards to make purchases
  • Monitor purchases with one consolidated bill
  • The Community Points cardholder earns rewards while the users make purchases

Terms & Conditions

1Variable Annual Percentage Rate (APR) applies based on credit worthiness when you opened your account. The APRs will vary with the market based on the Prime Rate as disclosed in your Account Opening Disclosure.

20% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 7 billing cycles after we open your credit card account. After that, 15.99% - 20.99% Variable Purchase APR applies based on credit worthiness when you opened your account.

315,000 bonus points after you spend $3,000 on purchases in the first 90 days from account opening. This new Cardmember bonus offer is not available to either (1) a current Cardmember of this consumer credit card, or (2) previous Cardmember of this consumer credit card who received a new Cardmember bonus for this consumer credit card within the last 24 months. You will earn points for every qualifying net purchase (purchases less returns). (“Net Purchases” do not include balance transfers, cash advances, foreign currency, money orders, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind). To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Please allow up to 60 days for bonus points to post to your uChoose Rewards ® Program.

4Variable Annual Percentage Rate (APR) applies based on credit worthiness when you opened your account. The APRs will vary with the market based on the Prime Rate as disclosed in your Account Opening Disclosure.

50% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 11 billing cycles after we open your credit card account. After that, 12.99% - 20.49% Variable Purchase APR applies based on credit worthiness when you opened your account.

6Annual Percentage Rate (APR). The APR will vary with the market based on the Prime Rate as disclosed in your Account Opening Disclosure.

7$500 minimum to open account. May increase credit limit by $100 increments up to $2,000.