Start Earning Rewards

with a Universal Credit Card

Earn up to

$300

as a welcome bonus!

Two Cards. Unlimited Thrills.

Universal Rewards Plus Logo

Offers Vary. Apply Here.+
Apply by August 11, 2026.

Universal Rewards Logo

Offers Vary. Apply Here.+
Apply by August 11, 2026.

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Earn $300 as a Statement Credit2

When you spend $500 within the first three billing cycles after your Universal Rewards Plus Visa Signature® Card account is open.

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Earn $200 as a Statement Credit**

after your first purchase within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open.

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10% off3 select merchandise, food and beverage purchases

at select locations throughout Universal Theme Parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.

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10% off3 select merchandise, food and beverage purchases

at select locations throughout Universal Theme Parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.

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4X Points Per Dollar

Spent on qualifying Universal Purchases2

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2X Points Per Dollar

Spent on qualifying Universal Purchases**

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2X Points Per Dollar

Spent on Travel, Gas and Dining purchases2

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1X Point Per Dollar

Spent everywhere else2

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1X Point Per Dollar

Spent everywhere else**

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Annual Bonus:

One Complimentary Ticket

Spend $6,000 or more within your annual Qualification Period2 using your Universal Rewards Plus Visa Signature® Card and earn one (1) single day theme park general admission ticket. You may select from the following:

  • One (1) Universal Studios Florida and Universal Islands of Adventure single day, park-to-park ticket
  • One (1) Universal Studios Hollywood ticket
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The Visa® Everywhere Lounge

Unwind with special access to the lounges located in Universal Studios Hollywood, Universal Studios Florida and Universal Epic Universe.4 Open from Noon-5:00 pm daily.

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Special Financing Available

Get 0% APR1 for 6 months anytime you spend at least $1,000 in one qualifying Universal Purchase and your credit limit exceeds $1,000. After 6 months, your APR will be a variable APR1 based on the Prime Rate between 21.24% and 28.24% APR.1 Minimum monthly payments required.

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Special Financing Available

Get 0% APR* for 6 months anytime you spend at least $1,000 in one qualifying Universal Purchase and your credit limit exceeds $1,000. After 6 months, your APR will be a variable APR* based on the Prime Rate between 21.24% and 28.24% APR.* Minimum monthly payments required.

$99 Annual Fee1

No Annual Fee*

Select your favorite card design when you apply!

Five bold designs to match your style.

Image of Visa cards with different designs

Redeem rewards for Universal Merchandise, Universal Dining, Universal Express Passes, vacation packages and more.2**

Got questions?

Current Cardmembers

Click here to manage your account.