University Credit Union Secured Mastercard
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Mastercard
- Regular purchase APR
- 9.00%
At a glance
The University Credit Union Secured Mastercard is a great way to rebuild credit or establish a solid credit history – especially if you are a South Florida student. The card offers a very low fixed APR of 9% for balance transfers, purchases, and cash advances, no annual fees, and the suite of protections and benefits cardholders have come to expect from a worldwide leader like Mastercard.
Our review of the University Credit Union Secured Mastercard
Secured credit cards are a smart choice for individuals looking to establish or improve their credit history. The University Credit Union Secured Mastercard is a standout option for South Floridians, including students, who are looking to build their credit score without the burden of an annual fee.
With the University Credit Union Secured Mastercard, your credit limit is determined by the initial deposit you make into a University Credit Union savings account. A minimum deposit of $500 is required to open an account, providing a solid foundation for responsible credit building.
It’s important to keep an eye on the funds in your savings account, as depleting it can impact your spending limit with the University Credit Union Secured Mastercard. By managing your finances carefully, you can make the most of this valuable credit-building opportunity.
One of the standout features of the University Credit Union Secured Mastercard is its low, fixed APR of 9%, which applies to purchases, balance transfers, and cash advances. This competitive rate sets it apart from many other secured cards on the market, making it a top choice for individuals looking to save on interest charges.
In addition to its attractive APR, the University Credit Union Secured Mastercard offers a range of benefits typically associated with Mastercard products. Cardholders can enjoy perks such as travel accident insurance, online account management, worldwide acceptance, and an EMV chip card for added security.
While the University Credit Union Secured Mastercard is a solid option for building credit, it’s worth exploring other secured card options to find the best fit for your financial goals. The First Progress Platinum Prestige Mastercard® is another strong contender, with a low APR that can help you save money on interest over time.
Whether you choose the University Credit Union Secured Mastercard or another secured card, responsible credit management is key to improving your credit score and financial well-being. Explore your options and make an informed decision to set yourself up for success on your credit-building journey.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Build credit without any hidden fees
- Low fixed APR
Who this card may suit
- You're a member of the University Credit Union or live in South Florida
- You want a secured card with an exceptionally low APR
- You want to rebuild or establish your credit score
- You want a straightforward credit card experience
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 9.00% |
| Balance Transfer APR | 9.00% |
| Cash Advance APR | 9.00 |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $20 |
| Return Payment Penalty Fee | Up to $25 |
| Minimum Deposit Required | $500 |
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: Poor Credit Limited or No Credit.
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University Credit Union Secured Mastercard
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