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Disclosures

* When you use your credit card, you borrow the money to pay for your purchase. There is a maximum amount you can owe on your credit card at any one time. This maximum is your credit limit. Each month, you need to make a minimum payment by a due date. You may repay the amount you borrowed in full. You may also choose to pay less than the full amount. You will pay interest on any amount you still owe after the due date. Every credit card payment you make replenishes your available credit.

1. Earn 10,000 bonus points when you spend $2,000 on purchases in the first four months from account opening. (10,000 points = $100)
2. Visa's Zero Liability Policy covers US-issued cards and does not apply to certain commercial card transactions. Visa's Zero Liability Policy does not apply to any transactions not processed by Visa. You must notify UNFCU immediately of any unauthorized use. For specific restrictions, limitations, and other details, contact us. 
3. APR = Annual Percentage Rate. Creditworthiness and loan amount will determine actual APR. Introductory rate quoted for credit cards is for the first six months for Elite and the first 12 months for Azure. It is only applicable to new accounts. Thereafter, the rate will vary with the market based on the Prime Rate. Your actual APR may be lower than the US Prime plus margin if the rate is subject to regulatory limits.
4. Point values vary based on type of purchase. View details. 
5. Purchases that will incur foreign transaction fees include transactions made in the US with a foreign merchant (such as through a merchant's website). 
6. Price protection allows cardholders to get reimbursed the difference if an item that they purchase appears in a print advertisement at a lower price within 60 days of purchase. Price protection is available to cardholders who make a purchase of up to $250 with their UNFCU Azure card. Additional limitations may apply. 
7. Return protection allows cardholders to get reimbursed if they become dissatisfied with a purchase within 90 days and the merchant will not accept it back. Return protection is available to cardholders who make a purchase of up to $250 with their UNFCU Azure card. Additional limitations may apply. 
8. Cell phone protection allows cardholders to get reimbursed if their cell phone is lost or stolen with a $50.00 deductible. Cell phone protection is available to cardholders who charge their qualifying monthly cell phone bills to their UNFCU Azure credit card. Not all cellular phone plans are eligible. Additional limitations may apply. 
9. The amounts listed represent the maximum credit limit for that card for qualified members in an eligible country. Your approved loan amount could be less than the amount you requested due to a number of factors. All applicants are subject to credit approval. The total amount of unsecured loans for members without a home loan cannot exceed $150,000. This individual maximum includes unused lines of credit. The maximum amount can be extended to $225,000 if you have or are applying for one of our international home loans. Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan. All other terms and fees (PDF) for UNFCU credit cards apply to all cardholders. 
10. Apple and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.