Official Credit Union of UMass Athletics

Official Credit Union of UMass Athletics

Both Cards

Visa Credit Cards

UMassFive offers two outstanding Credit Card options for our members: Cash Back Visa Signature and Low Rate Visa Platinum.

Your Choice: Cash Back or Low Rate

Our Cash Back Visa Signature Card allows you to reward yourself with cash back on all purchases. Our Low Rate Visa Platinum empowers you to get serious about paying down debt with no balance transfer fees. Compare card features here:

Find your Features.     Sig Card      Plat
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**                          ★

No Annual Fee

UMassFive does will not charge you an annual fee on either of our Credit Cards.


We take security very seriously. Our Credit Cards have the following enhanced security features to protect you against fraud:

  • When your Visa Credit Card is being used in an unusual location or manner, we take notice. Please let us know about your travel plans, such as vacations, to avoid any service interruption.
  • Visa Checkout. Easily pay online at your favorite stores with a single sign in.
  • Verified By Visa. Designed to help you keep your transactions and personal information safe.

For questions or assistance, contact a friendly UMassFive representative today!

*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.