ucÆåÅÆ

Here’s how it works

Share ucÆåÅÆ with friends

Text, email or share your personal link on social media. They'll apply for their card using this link.

They get their ucÆåÅÆ Card

Once approved, they just need to make a purchase with their new card in the first 3 months.1

You both get rewarded

You and your friend will each enjoy a statement credit! Refer more friends to keep earning.

Frequently asked questions

It's an easy way to get a Statement Credit reward. For each friend you refer who is approved, you'll receive a Statement Credit. Once your friend makes their first purchase within the first three months, they will also get a Statement Credit. In order to participate, your account must be eligible and in good standing. To receive the Statement Credit, your friend must apply online for the specific offer sent via the digital link provided and make a purchase within three months of opening a new ucÆåÅÆ account. You will receive a Statement Credit for each approved friend, up to $500 per calendar year. Offer not available for referrals that are existing ucÆåÅÆ cardmembers.

From the top navigation, under Rewards, select "Refer a Friend". You can refer friends via email, Facebook, Twitter, and personal share link. We'll handle everything, starting by sending a unique link to your friend so we can track the status of your referral.

You know your friends best. Tell them about all the great ways to use your ucÆåÅÆ Card and rewards that you'd think they'd also enjoy.

It may take up to 1-2 billing periods for your Statement Credit reward to post to your account after each referral is approved. 

You can earn up to $500 in Statement Credits per calendar year.

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1. Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if the person they referred applies online for the specific offer sent via the digital link provided and is approved by 11:59 pm ET, December 31, 2025. Phone, mail-in, and other digital applications are not eligible for referral rewards. Maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer if you have a ucÆåÅÆ it® Secured Credit Card, or ucÆåÅÆ it® Business Card. For other product types, eligibility will not begin until your account has been opened for at least one billing cycle. Your account may not always be eligible for refer-a-friend. Your account must be open and in good standing to receive your referral reward. Each eligible referral will receive a statement credit after making a purchase within three months of opening a new ucÆåÅÆ account. A Balance Transfer or Cash Advance does not qualify as a purchase. Existing ucÆåÅÆ cardmembers and those who have opted out of receiving marketing communications from ucÆåÅÆ are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.