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Personal Credit Card

Personal Credit Card

We make it easy to choose the credit card that is right for you — Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Young woman handing a credit card to a female clerk to pay for clothing.

Types of Personal Credit Cards

Low Rate Card

  • APR 2.9% for the first 6 months. Prime + 6.99% after.1
  • Grace Period 25-day interest-free (plus 5-6 days of additional grace)
  • Credit Limit Requirement None
  • Annual Fee None
  • Cardholder Assistance 24-hour toll-free  800-367-7576
  • Online Access website or mobile app
  • Rewards None

Benefits

  • Airport concierge service
  • Car rental collision damage waiver protection
  • Identity theft protection
  • Mobile payments: Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts: text or email alerts for cardholder defined items and unusual/ suspicious activity
Apply Now
1 Please see application for information about current APRs and fees. All cards are subject to credit approval.

Platinum Card

  • APR 2.9% for the first 6 months. Prime + 11.99% after.1
  • Grace Period 25-day interest-free (plus 5-6 days of additional grace)
  • Credit Limit Requirement None
  • Annual Fee None
  • Cardholder Assistance 24-hour toll-free  800-367-7576
  • Online Access website or mobile app

Rewards

  • One point for each dollar spent up to 10,000 points per month per account
  • Redemption options for travel, cash back, merchandise, gift cards and more

Benefits

  • Airport concierge service
  • Car rental collision damage waiver protection
  • Identity theft protection
  • Mobile payments: Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts: text or email alerts for cardholder defined items and unusual/ suspicious activity
Apply Now
1 Please see application for information about current APRs and fees. All cards are subject to credit approval.

World Card

  • APR 2.9% for the first 6 months. Prime + 11.99% after.1
  • Grace Period 25-day interest-free (plus 5-6 days of additional grace)
  • Credit Limit Requirement $5,000
  • Annual Fee None
  • Cardholder Assistance 24-hour toll-free  800-367-7576
  • Online Access website or mobile app

Rewards

  • One point for each dollar spent up to 10,000 points per month per account
  • Redemption options for travel, cash back, merchandise, gift cards and more

Benefits

  • Airport concierge service
  • Car rental collision damage waiver protection
  • Identity theft protection
  • Cell phone protection
  • Mobile payments: Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts: text or email alerts for cardholder defined items and unusual/ suspicious activity
Apply Now
1 Please see application for information about current APRs and fees. All cards are subject to credit approval.

Benefits Per Card Type

  • Benefits
    Mastercard World
    Mastercard Platinum
    Visa Platinum
  • Preferred Point Rewards
  • Mobile Payments
  • Airport Concierge
  • Rental Car Insurance
  • Identity Theft Protection
  • Global Service
  • Cell Phone Protection
  • Travel & Lifestyle Services
  • One Fine Stay
  • Postmates
  • ShopRunner
Apply Now
1 Please see application for information about current APRs and fees. All cards are subject to credit approval.

Benefits Details

Preferred Points Rewards

Mastercard World • Mastercard Platinum • Visa Platinum

Earn one point for each dollar spent, up to 10,000 points per month. Redeem anytime for a wide variety of options including cash back, travel, merchandise, retail gift cards, and much more.

Mobile Payments

Mastercard World • Mastercard Platinum

Use your compatible Apple or Samsung device to shop and check out wherever mobile payment logos are displayed. All MasterCard and Visa consumer cards can now be easily linked to an Apple or Samsung device to pay at retailers everywhere.

Airport Concierge

Mastercard World • Mastercard Platinum • Visa Platinum

Enjoy savings on Airport Meet and Greet services. Arrange for a dedicated Meet and Greet Agent at over 700 airport destinations world wide. Certain airports include expedited security and immigration services.

Rental Car Insurance

Mastercard World • Mastercard Platinum

Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible card is used to initiate and pay for the entire rental transaction.

Identity Theft Protection

Mastercard World • Mastercard Platinum

Be protected with ID Theft Resolution Services including online identity monitoring, resolution services, credit bureau monitoring and more.

Global Service

Mastercard World • Mastercard Platinum

Provides 24-hour global assistance with lost or stolen card replacement and emergency cash. Toll-free numbers for assistance can be found at mastercard.com or by calling 636-722-7111.

Cell Phone Protection

Mastercard World

Cell phone coverage for your personal cell against damage or theft provided byou charge your monthly Cellular Wireless Bill to your credit card.

Travel & Lifestyle Services

Mastercard World

Access to a suite of benefits, amenities and upgrades including premium travel offers from best-in-class travel companies. Whether you are planning a last minute vacation or your dream getaway, a lifestyle manager will assist you at your convenience 24 hours a day. Plus, take advantage of the lowest hotel rate guarantee and hotel stay guarantee.

One Fine Stay

Mastercard World

Access to over 10,000 high-end rental homes around the world stocked with fine linens, towels and toiletries. Receive a discount on all stays and free WiFi and a complimentary cell phone to use during your stay with free data and local calls.

Postmates

Mastercard World

Food, drinks and groceries available for delivery or pickup in over 650 cities across the U.S. and Mexico! Save time and money shopping.

Shop Runner

Mastercard World

Free 2-day online shipping and returns at over 140 stores including Neiman Marcus, American Eagle, Calvin Klein, 1-800-Flowers, and more.

Certain restrictions apply to each benefit listed. Benefits are detailed in the applicable benefits brochure provided with new and reissued credit cards or call 800-443-2819.

Apply Now
1 Please see application for information about current APRs and fees. All cards are subject to credit approval.

Funds Availability Policy

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Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.

REG.GG

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Transactions that are restricted under the Unlawful Internet Gambling Enforcement Act are prohibited and should not be processed through commercial accounts.

USA Patriot Act

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Help Us Prevent Identity Fraud

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.

The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.

Identity Theft Education

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Identity theft is when someone has access to your personal information, such as your name, date of birth, and Social Security number, and uses it to commit fraud.

Identity thieves can cost you both time and money. Recognize the signs of ID theft and take immediate action.

  • Unauthorized activity is detected on your bank account or on new accounts that you have on your credit report.
  • Unexpected calls and letters from debt collectors arrive about loans or other debts that you do not owe.
  • The IRS has notified you that there is a possibility that your tax return may be incorrect or that your tax return was filed under your name previously.
  • You are notified that your account was accessed using a device you don’t recognize.
  • You are charged for medical services that you did not receive.
  • Bank statements and bills are no longer sent by mail.
  • Credit is suddenly denied to you.

Anyone can become a victim of identity (ID) theft. These steps can help reduce the risk of ID theft.

1) Secure your personal data.

  • Don't give out personal information to anyone via email, text, or phone call.
  • Switch to paperless statements.
  • Don't put anything with your Social Security Number on it in your wallet. Only give it out when absolutely necessary.
  • Do not overshare on social media. Use privacy controls to ensure that your personal information isn't made public.
  • Talk to your children about internet safety and make sure they don't share any information online without permission.

2) Protect all of your devices.

  • Make sure you keep your devices up-to-date with the most recent security patches and software.
  • Use a password that is at least 8 characters to secure your home Wi-Fi network and devices.
  • When possible, enable biometrics like fingerprint sign-on, retina/facial identification.

3) You can control who can access your accounts.

  • For each account, create a strong password and don't reuse it on any other website.
  • Multifactor authentication is a great way to provide extra security when signing in to accounts.
  • To help you keep your accounts safe and monitor your finances, activate account alerts.
  • Confirm that your email address and phone number are correct in your financial accounts.

If you are a victim of ID theft, act quickly. Report identity theft and get a recovery plan at IdentityTheft.gov.

United, we have the power to combat fraud. We believe that knowledge is the best defense against fraud. Learn more by visiting AARP Identity Theft or the Identity Theft Resource Center.