Visa Credit Cards

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Flexible funds mean more fun for you and your family — plus, the ability to pay for unexpected expenses should they occur. Our Visa® credit cards provide just that.

With high credit limits and competitive rates, you’ll have the funds you need to get what you want, when you want it.

Visa Platinum ScoreCard Credit Card

Our Visa® Platinum ScoreCard Credit Card is accepted internationally, so you can shop with peace of mind wherever you are — while earning rewards! You’ll earn reward points for every purchase, everywhere you are.

Earn triple points on your first purchase! Purchase fuel with your Scorecard Rewards credit card and receive triple points each and every time! (Personal cards only).

It’s the convenience of a Visa® Platinum Card with the perks of a premier rewards program.

Learn More

Details:

  • Earn one point for every $1 in net purchases, redeemable for merchandise, travel, gift cards, cash back, and more!
  • Reliable, local service
  • Competitive variable interest rate
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Foreign transaction fee is 1.00% and no additional fee is assessed by United American Bank, other cards may charge an extra 2.00-3.00%
  • 25-day grace period
  • Travel accident insurance
  • Auto rental collision and emergency service
  • Free access to eZcard for online payments, account viewing, and more!

0% APR** for six months

Save with a fixed introductory 0% annual percentage rate on balance transfers or purchases during your first six months.

Balance Transfer Option

Simply fill in the information on the application and we will transfer the balance on your old account or consolidate several account balances on your new ScoreCard Platinum account. Approved balance transfers will post to your credit card account as a cash advance at 0% APR for the first six months. Cash advance information is listed on the chart.

Annual Percentage Rate (APR) for Purchases

8.75%

Variable Rate is subject to Change Quarterly and is determined by adding 5.00% to the New York Prime Rate as published in the Wall Street Journal.

0%

Introductory rate for 6 months from the date your account is opened.


APR for Balance Transfers

8.75%

Variable Rate is subject to Change Quarterly and is determined by adding 5.00% to the New York Prime Rate as published in the Wall Street Journal.

0%

Introductory rate for 6 months from the date your account is opened.

APR for Cash Advances

8.75%

Variable Rate is subject to Change Quarterly and is determined by adding 5.00% to the New York Prime Rate as published in the Wall Street Journal.

0%

Introductory rate for 6 months from the date your account is opened.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less then $0.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

 

FEES

Annual Fees

Annual fee waived with automatic payment or UAB first mortgage

Transaction Fees
*Foreign Transaction

1.00% of each transaction in U.S. dollars

Penalty Fees

*Late Payment

*Returned Payment


$15.00


$10.00

Other Fees

If applicable, other fees will be listed below this line.

How will we calculate your balance? We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Variable APRs are based on the 3.75% prime rate as of 12/15/16.

We add 5.00% to the prime rate to determine the purchase, balance transfer and cash advance APR.

*The annual fee will be waived with automatic payment from your United American Bank checking accout or United American Bank first mortgage.

**Annual percentage rate.

It’s fast and easy to apply!