Types of UNI Financial Cooperation credit cards
UNI Financial Corporations offer a variety of credit card options to choose from.
Flexi Visa. Flexi Visa credit card provides a low-interest rate of 10.9% and cash advances of up to $5,000 per day and involves no annual fees. You get additional benefits: mobile device insurance, purchase protection, extended warranty, and 3 days of free travel insurance. You can issue an additional Flexi Visa card for free if needed.
Bonus Visa. With a Bonus Visa card, you can make purchases at a 19.9% interest rate and get reward points of up to 2% on your spending. This credit card involves no monthly fees and cash advances of up to $5,000 per day. The additional advantages include mobile device insurance, purchase protection, extended warranty, and free travel insurance for trips of up to 3 days. In addition, issuing an additional card for your spouse or other family member is free.
Cash Back World Elite Mastercard. A Cash Back World Elite Mastercard features an interest rate of 19.9% and up to $5,000 in cash advances a day. With every purchase you make, you can get cash back of up to 4%. This credit card involves a $100 annual fee and a $30 fee for issuing an additional card. The additional benefits you get are mobile device insurance, purchase protection, extended warranty, and free travel insurance for trips no longer than 3 days.
Cash back. A cash back credit card has an interest rate of 19.9%. With every purchase you make, you can earn up to 2% cash back. This credit card features no annual fees and cash advances of up to $2,500 per day. The additional advantages include mobile device insurance, purchase protection, extended warranty, and three days of free travel insurance. Issuing an additional card is free of charge.
Odyssey® Gold. An Odyssey Gold credit card provides interest rates of 19.99% and cash advances of up to $2,500 per day. What makes this card special is an all-inclusive travel insurance coverage of up to $5,000,000. In addition, for every purchase you make, you can earn BONUSDOLLARS® rewards. The additional benefits you get are mobile device insurance, purchase protection for 90 days for eligible purchases, and an extended warranty for most of the purchased items. The annual fee for an Odyssey Gold credit card is $100, and for an additional card — $30.
Odyssey® World Elite®. An Odyssey World Elite credit card provides a 19.99% interest rate. The travel-related benefits of this card are comprehensive travel insurance coverage of up to $5,000,000, baggage insurance coverage of up to $1,000 per person, and travel cancellation insurance coverage of up to $2,500 per person. The annual fee for an Odyssey World Elite credit card is $130, and for an additional card — $40.
Odyssey Visa Infinite Privilege. An Odyssey Visa Infinite Privilege credit card features a low-interest rate of 9.99% and provides access to a range of exclusive benefits. To get the advantages of these benefits, you will need to register at the Visa Infinite Privilege cardholder web portal. The annual fee for non-members is $395, and for members — $295. The yearly fee for an additional card is $95.
VISA U.S. With a Visa U.S. credit card, you can make purchases in U.S. dollars at a 19.4% interest rate with no conversion fees on transactions. The annual fee for this card is US$30. In addition, you get three days of travel insurance for free.
How to open a UNI Financial Cooperation credit card
To open a credit card from UNI Financial Cooperation, you need to visit their office in person.
Requirements
To apply for a credit card from UNI Financial Cooperation, you must be a Canadian resident of 19 years old (the age of majority in New Brunswick).
Pros and cons
Credit cards from UNI Financial Cooperation have certain advantages:
You can manage your credit card account online via AccèsD
Based on your priorities and buyer habits, you can choose from low-interest rate options, zero annual fees, cash back and reward points on purchase, and insurance coverage included
When making purchases with your credit card, you earn cash back and reward points
Odyssey credit card options provide privileges for frequent travelers
There is a grace period during which UNI Financial Cooperation doesn’t charge interest on your credit card account
As for the disadvantages, beware of the following:
UNI Financial Cooperation reserves the right to change annual fees and fixed annual interest rates without prior notice
Most credit card options involve annual fees
The online application is not available
UNI Financial Cooperation’s offices are in New Brunswick, primarily
How to make a payment
You can make a credit card payment in any of the following ways:
Through your AccèsD online account
Through the UNI Financial Cooperation mobile app
In person at a UNI Financial Cooperation local office
At a UNI Financial Cooperation ATM
