UNFCU® Elite Visa® Card

For People with
Good Credit



Issued by the United Nations Federal Credit Union (UNFCU), the UNFCU® Elite Visa® Card offers travel rewards, travel benefits, and travel insurances to cardholders.

You’ll earn 2X points per dollar spent on groceries, restaurants, and online food delivery services such as GrubHub or Seamless. For all other purchases you’ll earn 1X point per dollar.

This card is available to members of the United Nations Federal Credit Union (UNFCU), which is open to employees of the United Nations, UN Specialized Agencies, and their families.

You’ll get a 0% intro APR for purchases for 6 months, then your rates will be 11.90% Variable.

This card has a $50 annual fee.

Card Quick Facts

Card Quick Facts

  • 2X points per dollar spent on groceries, restaurants, online meal delivery services
  • 1X point per dollar spent on all purchases
  • None intro APR for purchases for None, then your rates will be None
  • Complimentary Priority Pass Select membership with 5 free visits
  • Concierge services
  • Lock and unlock your card
  • $50 annual fee
  • No foreign transaction fees

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 2X points per dollar spent on:
    • Groceries
    • Restaurants
    • Online food delivery services
  • 1X point per dollar spent on all other purchases
Card Stats

Card Stats

Annual Fee $50
Additional Cards Annual Fee -
Regular Purchase APR 11.90% Variable
Intro Purchase APR 0% for 6 months
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee $10
Returned Payment Fee $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 11.90% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 11.90% Variable
Cash Advance Fee 2%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Complimentary Priority Pass Select Membership

    Enroll with Priority Pass Select for five free visits annually at any participating airport lounges; $27 per person per visit after that. This doesn’t extend to authorized users.

  • Concierge Service

    Call any time for non-emergency assistance, like help making reservations or finding hard-to-find gifts.

  • Low Cost Credit Disability Debt Protection

    Help with making your payments if you become disabled.

  • Identity Theft Protection

    Help if you get your identity stolen.

  • Visa Zero Liability Coverage

    You will not be held responsible for unauthorized purchases made on your card.

  • Verified by Visa

    Protect your card with a unique password.

  • Credit Life Protection

    In the event of death, you can get eligible credit card debt cancelled; up to $20,000.

  • Purchase Protection

    Eligible purchases are covered against theft and damage.

  • Travel and Emergency Assistance

    Provides help with eligible emergencies, including legal and medical referrals.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement up for non-refundable costs.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

  • Travel Accident Insurance

    Get reimbursed up to $500,000 if you or a family member gets in an eligible accident while traveling by common carrier.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

  • Lost Luggage Reimbursement

    If eligible checked or carry-on bags are lost, stolen, or damaged, provides reimbursement up to $3,000 per trip.

  • Global Mobile Property Insurance

    Protect your assets while traveling.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 3 reviews
by JE
Excellent experience

I've had the card for over three years now, and it works great as expected. I've used it in over 20 countries (North America, Europe and Post Soviet) and I have never had any issues. Moreover, I use it for Google Pay to tap with my phone and watch, and it always works flawlessly!

by Roy
Works first time every timr

I've been a UNFCU Visa Elite card holder for just over 5 years now, having travelled to over 25 countries, mostly small Pacific Island nations, and this card has not let me down. True chip and pin, and only swipe if a chip reader is not available. Every year I let the credit union know where I'll be visiting to avoid any issues.

by Michel Hayes

I actually spoke with a customer service representative named Lisa who advised me that since I live in Maryland and travel to Washington on a daily basis 12 miles away I need to call Lynn to customer service to let them know I am traveling to a different location to avoid having the card refused. Absolutely amazing! I then inquired if I go 12 miles in the other direction which would be Virginia do I also need to call to let them know I am traveling to Virginia her response was yes it would be a good idea. Obviously this is not a card you want to use if you commute more than 12 miles away from your residence into a different state or vicinity either that or their customer service staff is terribly misinformed. What makes it worse, they advertise this card as their premier card!

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