No Credit Does Not Equal Bad Credit!

Tired of getting turned down for credit simply because you have no credit? At Unitus, we certainly don't believe that no credit equals bad credit. That's why we established a special Starter Visa Program using our standard Classic Rewards Visa Card.

  • Earn 1 Unitus Rewards Points for every $1 dollar in purchases, excluding returns and cash advances.
  • Competitive interest rates.
  • 25-day grace period on purchases.*
  • No annual fee, over limit fee, or "no activity" fee.
  • No penalty rate for late payments.
  • Late fee is only $20.
  • Best of all - no hidden fees, gimmicks or teaser rates.

Oh, that's not all:

  • Overdraft protection for your Unitus checking account.
  • Easy online, real-time payments from a Unitus checking account.
  • Local service.
Additional features and benefits
A variety of other cardholder benefits and privileges included at no additional cost:
  • Auto Rental & Travel Accident Insurance
  • Emergency card replacement
  • Zero Liability and Fraud Protection
  • "Verified by Visa" online payment protection

We don't believe a person just starting out should pay a fortune for a credit card either. You simply get a great Visa Card, from someone you can trust.

Before applying, we ask that you complete the two programs (Money Management & Credit Matters) listed below prior to obtaining your Starter Visa. Please read through each required program and complete the short quiz at the end. These programs are designed to help educate you on how to manage your money and credit responsibly.
We also recommend that you attend one of our Understanding Your Credit seminars; click here for more information. If the dates/times are not convenient, no problem. Simply call our Member Loan Center at (503) 227-5571, Option 2 or 1-800-452-0900, Option 2 to arrange for a one-on-one session that works with your schedule.

Other terms and conditions may apply, so please contact us for details.

To learn more about our Classic Rewards Visa Card, click here.

Check or Redeem Points at Unitus Rewards Program Headquarters

*A FINANCE CHARGE will be imposed on the portion of purchases included in the new balance that remains unpaid 25 days after the closing date. This "grace period" allows you to avoid a FINANCE CHARGE on purchases for a billing cycle.