For a limited time, enjoy a low 7.99% APR^ on Balance Transfers for 12 months, with no balance transfer fees!^^
Choose the card that fits your goals, and start saving on interest today!
UMassFive offers two outstanding Credit Card options for our members: Cash Back Visa Signature and Low Rate Visa Platinum.
Submit your Application Online
Or, apply even faster through Online Banking
Choose the card that fits your goals, and start saving on interest today!
Find your Features. | ![]() |
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Minimum Credit Limit | $5,000.00 | $500.00 |
No Annual Fee | ★ | ★ |
EMV Enabled for enhanced security | ★ | ★ |
Mobile Wallet Compatible | ★ | ★ |
No Balance Transfer Fee | ★ | |
1.5% Cash Back on All Purchases* | ★ | |
Our Lowest Rate | ★ | |
No Foreign Transaction Fees | ★ | |
Visa Signature Concierge | ★ | |
Lost Luggage Reimbursement** | ★ |
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*Visa Cash Back is applied automatically as a statement credit quarterly for active paid accounts in good standing. Rebate is based upon net purchases minus returns, which may result in a negative rebate. Cash Back terms are not applicable for balance transfers and cash advances. See Cardholder Agreement disclosure for terms & conditions.
**See Visa Signature Cash Back terms & conditions for summary of coverage for Lost Luggage Reimbursement.
^APR = Annual Percentage Rate. Rate valid for 12 months from the date of first transfer, after 12 months, standard posted rates will apply on your remaining balance, ranging from 9.75%-18.00% APR. Offer ends April 15, 2021.
^^ Balance transfer fees waived on Cash Back Signature Visa Credit Card during the promotional period.