Credit Cards

New! With all features you'd expect! Three cards that fit all lifestyles!

Card Types

  • Platinum Rewards
    • Credit lines of $500 to $20,000 depending on credit worthiness
    • Low 6 month introductory APR
    • Excellent credit qualifies for 0% balance transfers for 6 months
    • Platinum card benefits (see below)
    • 1:1 points for each dollar spent; earn rewards towards cash back, travel, or gift cards.
  • Platinum
    • Enjoy a low APR
    • Low 6 month introductory APR
    • Excellent credit qualifies for 0% balance transfers for 6 months
    • Credit lines of $500 to $20,000 depending on credit worthiness
    • Platinum card benefits (see below)
  • Secured
    • If you're trying to build credit, this is the card for you
    • Credit lines starting at $300
    • Shop our Secured APR... you won't find better
    • Platinum benefits (see below)

Apply now! - Read our Credit Card Disclosure

UBI MasterCard Benefits

To engage any of the below services, please call MasterAssist at 1-800-627-8372

  • Extended warranty: Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible Mastercard.
  • Price protection: Should you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard, you may be reimbursed for the price difference.
  • Purchase assurance: Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.
  • Satisfaction guarantee: If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.
  • Concierge services: Enjoy exclusive, personal assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements.
  • Mastercard ID Theft Protection™: Mastercard is the only payment brand that provides its U.S. cardholders with services - at no extra cost - to help you detect and resolve identity theft. Enroll now.
    • Expert Resolution Services: Expert assistance is available to help you 24/7 if you think your identity has been stolen. Call 1-800-Mastercard and you will be assigned a personal certified specialist who will guide you through the process every step of the way.
    • ID Theft Alerts™: This service tracks thousands of websites to identify if your personal information is being bought or sold online. Register now.
  • Emergency Wallet Replacement: Experts assist you in quickly canceling and re-ordering the contents of your physical wallet such as your driver's license, among other items. Call 1-800-Mastercard if you have lost your wallet and would like assistance.
  • Zero Liability: Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.
  • Travel assistance services: Provide pre-trip destination information such as visa/passport requirements, immunization and help with lost/stolen travel documents and luggage, as well as referrals to a network of physicians, arranging hospital transfers and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.
  • Roadside assistance: Arranges emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your eligible Mastercard.
  • Baggage delay insurance: Reimburses you for replacing essential personal or business items in your baggage, if the baggage you have checked on a common carrier is delayed in transit and your tickets were purchased using an eligible Mastercard.
  • Car rental collision damage waiver insurance: Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard is used to initiate and pay for the entire rental transaction.
  • Hotel/motel burglary insurance: Reimburses you for personal property stolen from your hotel or motel room. Your hotel/motel stay must be purchased entirely with an eligible Mastercard.
  • Lost or damaged luggage insurance: Reimburses you for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your eligible Mastercard.
  • Travel accident insurance: Covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your eligible Mastercard.
  • Trip cancellation insurance: Provides reimbursement for you and your family for any nonrefundable cancellation or change fee if your trip is interrupted or canceled and you have purchased your common carrier tickets with your eligible Mastercard.
  • Mastercard Global Service™: Get assistance virtually anytime, anywhere with your card-related questions.