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Universal Rewards Plus Visa Signature®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$99
Recommended credit
Good / Excellent
Card network
Visa
Intro purchase APR
0% for 6 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Universal Rewards Plus Visa Signature® Card offers up to 4% cash back on Universal purchases, plus provides 10% savings on eligible purchases within the park. Cardholders also enjoy special 0% APR financing for 6 months and more for a $99 annual fee.

Our review of the Universal Rewards Plus Visa Signature®

The Universal Rewards Plus Visa Signature® Card is a must-have for any Universal Studios enthusiast looking to save big at Universal theme parks. With exclusive benefits and rewards tailored for Universal fans, this premium amusement park credit card is a game-changer.

Who Is this Card for?

If you’re a die-hard Universal Studios fan who can’t get enough of the movies, characters, and rides, then the Universal Rewards Plus Visa Signature® Card is perfect for you. This card is designed for those who want to maximize their savings at Universal Studios, both in-park and online.

Welcome Bonus

New cardholders can earn a $100 Statement credit by spending just $100 within the first billing cycle after opening an account. It’s a simple and easy-to-reach bonus that can kickstart your Universal Studios adventure.

Anniversary Bonus

With the Universal Rewards Plus Visa Signature® Card, you can earn a single-day theme park general admission ticket to one of three Universal Studios locations on your card anniversary. Just spend $6,000 or more with the card during each 12 billing cycle period to qualify.

How to Earn Rewards

Cardholders earn impressive rewards on purchases with the Universal Rewards Plus Visa Signature® Card, including:

  • 4% back on qualifying Universal purchases
  • 2% back on travel, gas, and dining purchases
  • 1% back on all other purchases

Rewards Breakdown and Analysis

The rewards with this card are robust, especially for Universal purchases. You can earn double the rewards compared to other theme park credit cards, making it a top choice for Universal enthusiasts.

How to Redeem Rewards

Redeem your rewards through Universal FUNds Visa® prepaid cards, allowing you to use your cash back for Universal theme park purchases, flights, and hotel stays. Rewards can also be redeemed as statement credits to offset your monthly bill.

Comparisons

Compare the Universal Rewards Plus Visa Signature® Card with other theme park credit cards like the Disney Visa cards and the Six Flags® Rewards Visa to see which option best suits your needs.

Other Card Features

Enjoy additional benefits with the Universal Rewards Plus Visa Signature® Card, including 10% off select merchandise and food purchases at Universal locations, 0% APR for six months on qualifying Universal purchases, and Visa Signature perks like Zero Fraud Liability and Emergency Card Replacement.

Learn more about the First National Bank of Omaha and expert reviews of the Universal Rewards Plus Visa Signature® Card to make an informed decision about applying for this card.

Should You Apply for the Universal Rewards Plus Visa Signature® Card?

If you’re a Universal Studios superfan looking for premium rewards and exclusive benefits at Universal theme parks, then the Universal Rewards Plus Visa Signature® Card is a no-brainer. However, if you’re seeking more everyday value, consider other options like the no annual fee Universal Rewards Visa Signature® Card. Ultimately, the choice depends on your Universal Studios loyalty and spending habits.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 4% back in rewards on qualifying Universal purchases
  • 2% back in rewards on Travel, Gas and Dining purchases
  • Earn one single day theme park general admission ticket each account anniversary
  • $99 annual fee

Who this card may suit

  • You love theme parks but prefer Universal Studios
  • You plan to keep the card year-after-year to take advantage of the single-entry reward
  • You want basic cash back rewards on everyday purchases

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$99
Intro Purchase APR0% for 6 months from account opening date
Regular Purchase APR21.99% to 28.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR21.99% to 28.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR28.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $40
Return Payment Penalty FeeUp to $35

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Universal Rewards Plus Visa Signature®

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