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Universal Rewards Visa Signature®

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

Annual fee
None
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 Visa Signature® Card is a no frill rewards card that earns 2% back on eligible Universal purchases, 1% back on all other purchases, and more - for a $0 annual fee.

Our review of the Universal Rewards Visa Signature®

The Universal Rewards Visa Signature® Card is a basic cash back rewards credit card that prioritizes savings with Universal. With a $0 annual fee, cardholders can earn double cash back at Universal, although the card may not provide the best value for money.

Straightforward Welcome Offers

New accounts can earn a $50 statement credit after spending $100 during their first billing cycle with the Universal Rewards Visa. While this welcome bonus is simple, it falls short compared to the rewards offered by other cards in the market.

How to Earn Rewards

Cardholders earn 2% cash back on Universal purchases and 1% back on all other purchases made with the Universal Visa Signature. Universal purchases include vacation packages, annual passes, and purchases at various Universal locations.

How to Redeem Rewards

Rewards can be redeemed through Universal FUNds Visa® prepaid cards, allowing cardholders to use their cash back for Universal theme park purchases, flights, and hotel stays. Rewards can also be used as statement credits to offset monthly bills.

Comparisons

While the Universal Rewards Visa offers no annual fee, other cash back credit cards in the market may provide more lucrative rewards. Cards like the SavorOne Cash Rewards from Capital One and the Citi® Double Cash Card offer higher rewards with the same $0 annual fee.

Other Card Features

The Universal Rewards Visa Signature® Card offers additional benefits such as 10% off select merchandise, food, and beverage purchases at Universal locations, as well as Visa Signature benefits like Zero Fraud Liability and Emergency Card Replacement.

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

If you are a Universal fan looking to maximize rewards at the parks, the Universal Rewards Visa Signature® Card may not be the best fit. Other no-annual fee credit cards offer greater value, such as the Capital One SavorOne. Consider the $99 annual fee Universal Rewards Plus Visa Signature® Card for higher rewards and additional benefits.

Card features

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

  • Earn 2% back in rewards on qualifying Universal purchases
  • 1% back on all other purchases
  • 10% ff select merchandise, food and beverage purchases
  • No annual fee

Who this card may suit

  • You love theme parks but prefer Universal Studios
  • You don't want to pay an annual fee
  • 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 FeeNone
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 Visa Signature®

Apply Now for Universal Rewards Visa Signature® (opens in a new tab)

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