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Beware of Ongoing Telephone Scams NEW

Please remember to not provide any information to someone who calls you and requests personal information. If you're not comfortable with a call you receive claiming to be UHCU, hang up and call UHCU directly. 
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Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card your choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Current members - Apply for a credit card under the 'Services' menu in Online Banking.

Woman holding credit card and laptop

Current Card Holders

To report a lost or stolen card, ask account questions or to get more information, please call 800.558.3424.

Payment Address:
Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Billing Inquiries/Disputes:
Phone: 800.558.3424
Address:
Cardmember Service
P.O. Box 6335
Fargo, ND 58125-6335

Access Your Account
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.