young woman looking at laptop with credit card in hand on couch

Personal Credit Cards

Online Logins

Build credit and earn rewards (or cold-hard cash!) while enjoying the convenience of charging. We offer numerous credit card options through our partner TCM Bank. Contact us today at 218-346-5700 to get set up with your new card.

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!

why use our UCB credit card


Why Use Our Credit Card?

0% Introductory APR for purchases an balance transfers for the
twelve billing cycles after account opening.**


  • No annual fees and no penalty rates
  • Unlimited rewards and cash rewards
  • Mobile payments: (Apple Pay™, Samsung Pay™, Google Pay™)
  • Paperless Statements
  • SecurLOCKTM‐ text and email fraud alerts
  • Cell Phone Protection
  • Travel Accident Insurance (150k)
  • ID Navigator Powered by NortonLifeLock

Learn more and apply today!

Cards We Offer

Consumer Credit Card Options


*TCM Bank provides zero fraud liability for unauthorized transactions. Card holder must notify TCM Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is TCM Bank, 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.
** 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the
highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning
with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 6.25% Prime Rate. For each
billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 12.99% and 22.99%, Platinum Edition APRs are currently between 11.99%
and 21.99%, and Cash Rewards Platinum APRs are currently between 15.99% and 25.99%. Rewards Platinum Cash Advance APR is currently 24.99%, Platinum Edition Cash Advance APR is
currently 24.99%, and Cash Rewards Platinum Cash Advance APRs are currently 24.99%-27.99%. All APRs are based on creditworthiness. Rates are accurate as of November 1, 2022 and are
subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the
introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred,
whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S.
dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued
by TCM Bank, N.A.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some
exclusions apply. Cardholders receiving employee pricing are not eligible.
Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about
this benefit visit the FAQ section at or call 1-866-894-8569. 3
Coverage applies when -the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to
coverage may apply.
4In order to access rewards, your account must be open and in good standing

Meet Our Personal Bankers