University Credit Union Traditional Mastercard
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
At a glance
The University Credit Union Traditional Mastercard is a low APR credit card that avoids the teaser rates and enticing introductory offers. Instead, the card offers an excellent APR of 8.9% for balance transfers, cash advances, and purchases, no annual fees, no penalty APR, and no additional fees for balance transfers or cash advances. Cardholders can also expect a suite of protections from Mastercard, including EMV chips technology, $250,000 in travel accident insurance, and more.
Our review of the University Credit Union Traditional Mastercard
If you’re looking for a no-frills, high-value credit card, the UCU Traditional Mastercard may be the perfect choice for you. With a fixed rate APR of 8.9% on balance transfers, purchases, and cash advances, this card stands out from the competition by focusing on its impressive rates rather than flashy bonuses.
Unlike other low APR cards, the UCU Traditional Mastercard does not vary based on creditworthiness, making it a reliable option for those in South Florida. Plus, this card boasts no hidden fees, including no annual fee, penalty APR, over-the-limit fees, or fees for balance transfers or cash advances. While it does charge foreign transaction fees, they are minimal at just 1% of the transaction cost in U.S. Dollars.
Overall, the University Credit Union Traditional Mastercard is a solid choice for those looking for a straightforward, low APR credit card without all the extra frills. With added perks like travel insurance coverage, EMV chip technology, and worldwide acceptance, this card is a hidden gem for those in the Miami area.
If you’re interested in the UCU Traditional Mastercard, be sure to check out other UCU credit card options as well.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- $250,000 travel accident insurance
- No annual fee
- Low APR for purchases, balance transfers, and cash advances
Who this card may suit
- You're a member of the University Credit Union or live in South Florida
- You want a card with a fixed rate, low APR
- You prefer a card without an annual fee
- You want a straight-forward credit card experience
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 15.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 15.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 15.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| 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 |
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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University Credit Union Traditional Mastercard
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