UNFCU · Visa Signature · Personal
UNFCU Elite
A $50-a-year card earning UNFCU Reward Points: 3× on Dining, 1× on everything else.
- Annual fee
- $50Charged every year
- Signup bonus
- 10,000 ≈ $100 in travel (our estimate)*
- Top rate
- 3×Dining
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 10,000 points | $100 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$50 | −$50 |
| NetYear one includes the bonus · at your inputs · our estimates* | $50 | −$50 |
Bonus terms: Earn 10,000 bonus points (worth $100 in cash) after spending $2,000 on purchases within the first four months of account opening.
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 3× | $3.00 | |
| Groceries | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $50
- Card type
- Personal
- Network
- Visa Signature
- Bank
- UNFCU
- Point system
- UNFCU Reward Points
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules1
- UNFCU Membership
To become a member, you must meet one of the eligibility criteria below and complete an online application, providing required documents (e.g., proof of eligibility, government-issued ID, address verification, and tax ID if applicable). A one-time $25 fee is required to fund your Membership Share (savings account). Membership is restricted in countries subject to US economic sanctions or with significant instability (e.g., civil wars or no functional government). 1) Direct Eligibility (UN-Affiliated) Employees, retirees, consultants (with at least 6 months of ongoing engagement), or volunteers of the United Nations and its affiliated agencies (e.g., World Bank, IMF). Employees or retirees of the Asian Development Bank (ADB). Employees of select UN-related organizations, such as the United Nations Foundation, US Fund for UNICEF, USA for UNHCR, World Federation of United Nations Associations, Gavi, the Vaccine Alliance, NATO Liaison Office to the UN in New York, OSCE, permanent missions to the UN in New York, United Nations Child Care Center, or United Nations International School (including students and their families). 2) Family or Household Eligibility Immediate family members of an existing UNFCU member (e.g., spouse, parents, children including adopted/legal guardians, grandchildren, grandparents, siblings). Individuals residing in and sharing financial responsibility for a household with an existing UNFCU member. Proof of relationship required (e.g., marriage/birth certificate or shared utility bill). Note: Members who joined as family cannot invite additional family. 3) Alternative Path for Non-UN Affiliates (via UNA-USA) If you don't qualify directly, join the United Nations Association of the United States of America (UNA-USA) first, which is open to US citizens, permanent residents, or others committed to its purposes (provide a US address). UNA-USA membership fees: $25 (Young Professional ages 18–30 or Fixed Income), $50 (Standard), $100+ (higher tiers), free (GenUN ages 14–17), or $1,000 (Lifetime). Renewal optional after first year. Benefits include eligibility for UNFCU membership, among others like UN event access and discounts. After joining UNA-USA (receive confirmation email), apply to UNFCU selecting "UNA-USA Member" as eligibility. This path is valid for non-UN affiliates.
Benefits4 · 0 high value
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Lounge Access Priority Pass
- Travel Protections Lost Luggage Reimbursement + 1 more travel protections benefit
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 UNFCU Elite |  UNFCU Azure |  Air France KLM |  TD Bank First Class | |
|---|---|---|---|---|
| Annual fee | $50 | $0−$50 | $89+$39 | $89+$39 |
| Signup bonus | 10,000 pts | 10,000 pts | 50,000 pts | 25,000 pts |
| Top rate | 3×Dining | 3×Groceries, Dining | 3×Airfare (Portal), Dining | 3×9 categories |
| Travel value * | 1¢UNFCU Reward Points | 1¢UNFCU Reward Points | 1.33¢Flying Blue | –Cash back |
| Why it’s here | This card | Same issuer and the same UNFCU Reward Points, with no annual fee | An annual fee within $100 | An annual fee within $100 |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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