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!
Credit Cards
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
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Earn unlimited 1.5%* cash back on every purchase!
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Featuring our lowest rates to help you save money.
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| 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.