Visa Credit Card

University of Wisconsin Credit Union

Membership required

Key facts

Annual fee$0
RewardsCash back
Everything else earns0% back
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 0% back on purchases. The catalog records no bonus categories for this card.

Rates with conditions

0.5% back on Everything else — 0.5% monthly Cash Back Bonus on all purchases with a Rewards Checking account with 10 or more credit or debit card purchases per month and $250 or more in combined ACH credits and debits per month

Signup bonus

The catalog records no public signup bonus for this card.

Applying

UW Credit Union membership is required. The credit union's Become a Member page says: "Just about anyone! If you live, work or go to school within 5 miles of a branch location or are a Wisconsin resident who has attended an accredited higher education institution anywhere, you can become a member. But those aren't the only ways to join." The card page says: "Underwriting is required for credit products. A cosigner may be necessary if you are under the age of 21 and your annual income is less than $2,000."

Issuer's page for this card

Membership required

Answer yes to any of 5 questions: Wisconsin resident who attended higher education, near a branch, UW school employee/student/alumni, employee of a listed organization, or immediate family of an eligible person.

Are you a Wisconsin resident who is enrolled at or has previously attended any accredited institution of higher education worldwide?
Do you live, work or attend school within 5 miles of any branch location?
Are you an employee, student or alumni of the following UW schools, colleges and extensions?
Are you a current or former employee of the following organizations?
Are you an immediate family member of any person eligible to be a member?

How to join

Notes

Purchase APR 12.65% - 24.00% as of 1/26/26 (the page also gives 12.65% - 27.00% as the standard variable range). 0% APR on balance transfers for 6 billing cycles, then the standard variable APR; balance transfer fee is 3% or $10, whichever is greater; no points on balance transfers. Earns no points on purchases; the only reward is the 0.5% monthly Cash Back Bonus with Rewards Checking.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with University of Wisconsin Credit Union; the card name is its owner's trademark.

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