United Bank credit cards give you the spending power you need

With a United Bank MasterCard®, you can choose from various features, including a lower rate, rewards points earned on every purchase, or concierge services. Get the financial flexibility you need from a credit card accepted worldwide.
Everyone has different spending habits. That’s why we offer consumer credit cards designed for a variety of lifestyles. View our United Bank MasterCard® options below and find the card that is the best fit for you.


Low rate - enjoy our lowest introductory APR offer

Special 6 Month Financing


Rewards Points – Pay no annual fee to enjoy rewards for your spending

As low as 14.49%


Premium Services – access to concierge services for exclusive personal assistance whenever you need it

As low as 14.49%

Big benefits included with every rewards card

All United Bank rewards credit cardholders can take advantage of benefits that provide convenience, security, and easy access to support.

You'll earn 1 point for every dollar you spend. Redeem each point at a rate equivalent to 1 percent of purchases.

  • Cash-back - Redeem any available point balance for your cash-back statement credits. For example: 5,600 points may be redeemed for $56 cash back.
  • Gift Cards - Enjoy consistent value for all gift card redemptions, including:
    • $50 = 5,000 points
    • $100 = 10,000 points
    • $250 = 25,000 points
    • $500 = 50,000 points
  • Travel - Credit your account for your travel redemptions with any of your available points. For example, you can credit yourself for a $221 flight with 22,100 points.

To learn more about our credit card rewards program please click here.

  • 24 X 7 Customer Service
  • Multiple payment options, including automatic debit, online banking, or by mail
  • Online access to your statements and transactions anytime, from anywhere
  • Paperless statements
  • Additional cards for other family members at no cost


Subject to credit approval. Ask for details.

1 Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program Rules, please visit https://bankatunited.myapexcard.com/apply and select Rewards Terms and Conditions. Redemption options are subject to change without notice. Rewards are offered through a third party and are not products of the bank.
2 We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards points. Bonus points: Upon approval, we will mail a letter acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.
3 Concierge Services: Certain terms, conditions and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
4A Balance transfer fee, either 3% or $10, of the amount of each transfer, whichever is greater, will be charged for each balance transfer completed as a part of this promotion. Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

✝ Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
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