Platinum MasterCard®

Credit Card Changes

Compare the features of our credit card and we know you'll want to make the switch:

  • Rates from 8.99% - 15.00 APR* on retail purchases (subject to credit approval)
  • 1% cash back on net retail purchases credited to you monthly
  • 6.99% APR** on balance transfers made during the first six months you have your card** - fixed for the life of the transferred balance.
  • No annual fee***
  • 5.90% APR on gas purchases at service stations, pay at the pump, wholesale petroleum and truck stops for the life of the balance****
  • 25-day grace period on purchases
  • $1,000,000 common carrier travel accident insurance
  • Cell phone protection when the monthly bill is charged to the card
  • Auto rental CDW insurance coverage
  • Baggage delay insurance
  • Extended warranty protection - doubles the time period of the original manufacturer's written U.S. repair warranty for up to one year and up to $10,000 per claim
  • Price protection - reimburses you, within 60 days of purchase, for the difference between the price you have paid for an item and a lower advertised price for the same item
  • ID theft resolution services
  • Emergency cardholder services
  • Access to cash at ATMs worldwide
  • Zero liability for unauthorized transactions


To take advantage of our balance transfer offer**, simply complete ONE of the following steps:


It Pays to be a Member!

Do you have friends or family who are looking for a great credit card? Refer them to UNITED SA by submitting their information to us. We'll invite them to join and if they take out a credit card or loan, or open an Ultimate Checking Account with us, you'll both get $25!

To report a lost/stolen card or request emergency replacement of your UNITED SA Platinum MasterCard anytime 24/7, call (800) 442-4757.

To report fraudulent activity or dispute a charge to your credit card, please call (800) 808-6402, Monday through Friday, from 7 am - 7 pm CST. Outside of these hours, please call (800) 528-2273.

*APR = Annual Percentage Rate.

**Reduced APR balance transfer offer valid up to six months after the anniversary date of opening the credit card account. Any new balance transfers made after the first six months you have your card will accrue interest at your standard rate.

***Minimum interest charge = None. Available APRs: 8.99%, 13.00% (variable), 15.00% (variable)

****Gas purchases at grocery stores may not be eligible for this reduced rate. Accounts 90 days or more past due will revert to the standard rate.