0% intro APR.° 100% serious.

It’s not too good to be true; it’s too good to be missed. Get an introductory 0% APR° on purchases for your first 12 months and on balance transfers completed within 60 days of account opening when you open a new Rewards or Signature Rewards credit card. After that, variable APR 14.00–20.00%.° Check out our easy online credit card application today.

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Rewards & Signature Rewards Cards

Get the features you need most in your credit card with our classic Visa Rewards card.

  • No annual fee (view rates and fees)
  • Earn 1 point per $1 spent
  • Redeem points for cash back, travel, gift cards, merchandise, and more
Apply Online

Everything you need. None of the interest.

Hurry, this offer won’t last forever. 


With UBT, every purchase counts

When you use your UBT credit card to buy new ski gear, shop for a special someone, or fuel up for your next road trip, you’re earning points for every dollar you spend. You can redeem your reward points for:

  • Cash back
  • Gift cards from top retailers
  • Travel booking
  • And more
Apply Online

Offer subject to credit approval. Valid on approved Rewards and Signature Rewards credit card applications received between 11/01/21 to 02/28/22. °Introductory 0.00% APR for 12 months from date of account opening on purchases. Introductory 0.00% APR for 12 months from date of account opening on balance transfers made within 60 days of card open date. Balance transfer fees waived on transfers made within 60 days of card open date. After introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. As of 10/01/21, the standard variable APR for purchases is 14.00% – 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After introductory period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies.