Bank · FDIC insured
United Community Bank Credit Card Rates
United Community Bank credit cards start at 24.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Community Bank’s credit card rates compare
Compared with banks and credit unions near Fergus Falls, MN, where United Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
United Community Bank
24.99%APR
Rewards Platinum Visa
Lowest rate
Greater Community CU
6.90%APR
2nd-lowest rate
My Kind of Bank
12.99%APR
United Community Bank credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR24.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Community Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Platinum Visa
Unlimited 1% cash back for every net dollar spent. Issued by TCM Bank, N.A. Subject to credit approval. Zero fraud liability for unauthorized transactions.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR applies to purchases for the first 12 billing cycles after account opening. May end early if late or returned payment occurs. |
| Ongoing | 15.99%–25.99% | None | Variable APR based on Prime Rate (6.25% Prime Rate + margin) based on creditworthiness after introductory period. |
| Ongoing | 24.99%–27.99% | None | Cash advance fee is $5 or 3% of each cash advance, whichever is greater. |
Sources (1)
- ucbankmn.com/personal/cards/credit-cards · captured Oct 5, 2026
Platinum Edition Visa
Issued by TCM Bank, N.A. Subject to credit approval. Zero fraud liability for unauthorized transactions.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR applies to purchases for the first 12 billing cycles after account opening. May end early if late or returned payment occurs. |
| Ongoing | 11.99%–21.99% | None | Variable APR based on Prime Rate (6.25% Prime Rate + margin) based on creditworthiness after introductory period. |
| Ongoing | 24.99% | None | Cash advance fee is $5 or 3% of each cash advance, whichever is greater. |
Sources (1)
- ucbankmn.com/personal/cards/credit-cards · captured Oct 5, 2026
Rewards Platinum Visa
Earn one point per dollar on all net purchases. Issued by TCM Bank, N.A. Subject to credit approval. Zero fraud liability for unauthorized transactions.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR applies to purchases for the first 12 billing cycles after account opening. May end early if late or returned payment occurs. |
| Ongoing | 12.99%–22.99% | None | Variable APR based on Prime Rate (6.25% Prime Rate + margin) based on creditworthiness after introductory period. |
| Ongoing | 24.99% | None | Cash advance fee is $5 or 3% of each cash advance, whichever is greater. |
Sources (1)
- ucbankmn.com/personal/cards/credit-cards · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.