Credit Cards

United Community Bank helps you achieve your financial goals with various Visa® and American Express® card options. Accumulate rewards points, secure a low APR to consolidate your credit card debt or start building your credit score if you're a college student. We have the right credit card for you.

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Visa Signature® Bonus Rewards

  • Get 25% more on all points earned every month, automatically1
  • No caps or limits on points earned
  • Earn $25 cash back with your first purchase 

Visa Signature® Bonus Rewards PLUS

  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that's equivalent to 1.5 points) on all points earned every month, automatically.
  • $50 cash back with your first purchase.
  • $50 annual fee

Cash Rewards American Express®

  • Earn up to 3% cash back on gas
  • Earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase

Travel Rewards American Express®

  • 3x reward earnings on airline purchases, 2x reward earnings on restaurant and hotel purchases
  • $75 cash back with your first purchase
  • $95 annual fee 

Visa® Platinum

  • Enjoy our lowest introductory APR offer
  • Save on interest and pay down other credit cards faster by transferring your balances
  • Provides convenient spending power when you need it

College Rewards Visa®

  • Ideal for helping college students build their credit scores
  • Earn 1 reward point for every $1 in net purchases
  • Features competitive rates and manageable credit lines

Secured Visa®

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • $35 annual fee
  • Remember, late payments and going over the credit limit may damage your credit history.

Can I transfer funds from my checking or savings accounts to make a loan payment?


Personal online banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through online banking. [How to add/change the accounts you view through online banking]

Business online banking customers can transfer funds to make a loan payment by selecting 'Transfer List' from the Management Tools menu, then selecting 'Unrestricted Transfer'. 

IMPORTANT: Payments made before 6pm each business day will be applied same day.

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1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)