UNFCU Elite Credit Card – Is the United Nations FCU Elite Credit Card for You?

The United Nations Federal Credit Union (UNFCU) Elite Credit Card is a Visa credit card designed specifically for members of the UNFCU.

UNFCU Elite Credit Card

With travel perks like airport lounge access and no foreign transaction fees, it caters to frequent travelers. But is the UNFCU Elite Card worth getting compared to more well-known travel rewards cards?

UNFCU Elite Credit Card Overview

The UNFCU Elite Credit Card aims to provide good travel rewards and benefits to UNFCU members. Its standout features include:

  • 5 annual Priority Pass airport lounge visits
  • No foreign transaction fees on purchases
  • Travel insurance protections
  • 3x points on dining, 2x points on groceries

However, it comes with a mediocre sign-up bonus and redemption values compared to other travel cards with similar $50 annual fees. We’ll analyze the pros and cons to see if it’s a good fit for certain cardholders.

UNFCU Elite Credit Card Pros

Here are some of the advantages that the UNFCU Elite Credit Card offers:

  • No Foreign Transaction Fees: There are no foreign transaction fees when using the card overseas. This can save you 3% on international purchases.
  • Free Airport Lounge Access: Get 5 free visits per year to Priority Pass airport lounges worldwide. This is a rare perk for a sub-$100 annual fee card.
  • Good Intro APR Offer: 0% intro APR for 6 months on purchases and balance transfers (2% fee). After that, 15.15%-17.24% variable APR.
  • Visa Benefits: Comes with standard Visa protections like rental car insurance, ID theft monitoring, trip cancellation insurance, and more.
  • 3x Points on Dining: Earn 3x points per $1 at restaurants, which can add up quickly for frequent diners.

UNFCU Elite Credit Card Cons

Here are some of the downsides to consider with the card:

  • Limited Availability: Only available to members of the UNFCU. You must meet eligibility requirements to join.
  • $50 Annual Fee: There are other travel cards with similar or better benefits and no fee.
  • Small Sign-Up Bonus: 10,000 point bonus after $2,000 in spend is small compared to competitors.
  • No Travel Redemption Bonus: Gets only 1 cent per point value when redeeming for travel instead of 1.25 cents like other cards.
  • Points Don’t Transfer: Can’t transfer points to airline/hotel partners. Redemption options are limited.

How Does the UNFCU Elite Card Compare?

How does the UNFCU Elite Credit Card stack up to other rewards cards? Here’s a brief comparison:

UNFCU Elite Card – $50 fee, airport lounge access, 3x dining, no foreign fees

Chase Sapphire Preferred – $95 fee, 60k bonus, 2x travel/dining, 25% redemption boost

Capital One Venture – $95 fee, 75k bonus miles, 2x all purchases, transfer partners

Citi Double Cash – No fee, 2% cash back (1% when you buy, 1% when you pay)

The UNFCU Elite has some nice perks but lags behind for rewards earning and flexibility. The Sapphire Preferred or Venture cards offer better bonuses, earning, and redemptions.

Who is UNFCU Elite Card Designed For?

The UNFCU Elite Credit Card appeals most to:

  • Frequent international travelers who can use the lounge perks and lack of foreign transaction fees
  • UNFCU members who appreciate the credit union’s customer service and eligibility ease
  • Those with excellent credit seeking a 0% intro APR card with some rewards
  • Cardholders who can maximize the 3x dining and 2x grocery bonus categories
  • Any UNFCU member unable to qualify for premium travel cards from other banks

Its niche perks make it less attractive as an all-purpose rewards card. But for UNFCU members who fit the right profile, it can be a useful product.

Is the UNFCU Elite Credit Card for You?

The UNFCU Elite Credit Card offers some nice perks, especially for travelers who can benefit from the lounge passes, travel insurance, and no foreign transaction fees. But its ho-hum rewards structure and lackluster welcome bonus make it hard to recommend over other premium travel cards.

Here are some key questions to ask yourself when deciding if the UNFCU Elite Card is a good fit:

  • Do you qualify for UNFCU membership? This card is only available to members of the United Nations Federal Credit Union. If you don’t qualify, it’s not an option.
  • How much do you travel internationally? The no foreign transaction fee perk can add up to significant savings for frequent overseas travelers. If you rarely leave the country, it matters less.
  • Could you maximize the airport lounge passes? If you travel often and would use the 5 annual complimentary Priority Pass visits, this benefit might justify the $50 annual fee.
  • Do you spend heavily on dining and groceries? With 3x points on dining and 2x points on groceries, these bonus categories help boost the card’s rewards potential. Light spenders won’t reap as much value.
  • How does your credit look? This card only requires a fair credit score for approval, so it can be a good option if you have limited credit history or a past credit issue. Those with excellent credit have many more options though.
  • Do you already have a premium travel card? If you have a card like the Chase Sapphire Preferred that offers superior rewards for a similar annual fee, the incremental value of the UNFCU Elite Card is diluted.

How to Apply for the UNFCU Elite Credit Card

Applying for the UNFCU Elite Credit Card involves a few simple steps:

  1. Become a UNFCU member

You must first join the United Nations Federal Credit Union to be eligible for the card. Visit their website to submit a membership application if you are not currently a member.

  1. Check your credit score

Make sure your credit score meets the minimum requirements for approval. You can get your credit reports for free from AnnualCreditReport.com and many credit cards provide free access to your credit score.

  1. Submit your application

Once you are a UNFCU member, you can apply for the Elite Credit Card online through their website or at a local branch. You’ll need to provide personal and financial information.

  1. Get approved

If approved, you should receive notification from UNFCU within 7-10 days. They will mail your new card and you can begin using it once activated.

  1. Activate your card

Call the number on the sticker on your new card to activate it and set up online account access. Destroy the sticker after activating.

  1. Make purchases

Now you’re ready to start using your new UNFCU Elite Credit Card and earning rewards! Be sure to take advantage of the 3x points on dining and 2x points at grocery stores.

With a simple online application and relatively easy approval criteria, getting the UNFCU Elite Credit Card is a straightforward process once you join the credit union. Be sure to manage your account responsibly by paying your bill on time each month.


The United Nations Federal Credit Union Elite Credit Card offers a niche mix of travel perks and bonus categories tailored to frequent travelers who are UNFCU members.

Though not as rewarding as leading premium travel cards overall, it can be worth consideration for UNFCU members who can maximize its lounge access, dining rewards, and lack of foreign fees.

Ensure you analyze appropriately before applying.

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