The Unitus Classic Visa is a credit card offered by Unitus Community Credit Union to its members who don’t qualify for their Visa Platinum Rewards card. You must be a member of Unitus in order to apply for any of their credit cards. Unitus is located in Oregon.
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To become a member of Unitus, you must live or be employed in Multnomah, Washington, Clackamas, Mario, Polk, Yamhill, or Clark counties. Family members of qualifying residents can also become members. To open a membership, you just need a $10 deposit in a savings account.
Unitus Classic Visa Benefits
Even though the Unitus Classic Visa does not have a points-based reward or cash rebate, there are still many benefits to cardholders. First, the card serves as overdraft protection for your Unitus checking account. This will save you money on overdraft fees and the embarrassment of insufficient funds fees.
As a Visa card, the Unitus Classic Visa is part of Visa’s fraud protection program for credit cards. Visa monitors transactions and notifies cardholders if suspicious activity occurs on the account. If fraud is committed with your card, Visa’s Zero Liability promise means you won’t have to pay any of the unauthorized charges.
If you’re traveling, you’ll also have emergency card replacement if yours is lost or stolen. Reserve and pay for your rental car with the Unitus Visa Classic, and the card will cover any collision or loss damage to the rental car.
This means that you’ll save money by waiving the expensive rental car insurance offered at the rental counter. According to the National Association of Insurance Commissioners, 42% of people who rent cars pay for car rental insurance because they are completely confused about whether they need it.
Unitus Classic Visa Rates and Fees
With the Unitus Classic Visa, not only do you get the perks of a Visa card, you’ll also get the low fees and rates of a credit union credit card. The interest rate ranges between 9.99% and 17.49%. Your personalized rate will be determined based on your creditworthiness.
The Unitus Classic Visa has no annual fee, no fee if you don’t use your card much, and no fee if you charge more than your credit limit.
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