50,000 Points
Worth $500
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 20%Best Western
- 2%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
First National Bank
Universal Rewards Plus Visa Signature®
This card is built for regular Universal Studios visitors who want straightforward cash back, especially on park spending, with a few everyday bonus categories on the side. For most readers, it works better as a niche companion card than as a primary everyday card.
Welcome Offer
$100
Annual Fee
$99
Rec. Credit Score
Good
Good For
Universal park fans
All information about Universal Rewards Plus Visa Signature® has been collected independently by MaxRewards. Universal Rewards Plus Visa Signature® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Universal Rewards Plus Visa Signature® worth it?
This card is great for...
Universal Studios spending
Dining and gas purchases
Occasional travel purchases
The Universal Rewards Plus Visa Signature is worth a look if you spend enough at Universal Studios to make the 4% cash back meaningful and you do not mind paying a $99 annual fee for a fairly narrow rewards setup. If Universal trips are a recurring part of your budget, the elevated park earnings can give this card a clear role in your wallet, and the 2% back on dining, gas, and travel adds some usable everyday value around those trips.
For most people, though, the card is a tougher recommendation. There are no listed credits, travel perks, or other benefits to help offset the annual fee, and the 1% base rate is easy to beat with simpler cash-back cards. Unless you are a loyal Universal spender, this is probably not the card you build your everyday spending around.
MaxRewards Verdict
A solid fit for frequent Universal Studios spenders who can consistently use the 4% category. Outside that lane, the annual fee is hard to justify because the card does not offer much beyond its rewards rates.
Welcome Offer
$100
after you spend $100 on purchases on your new card in your first 1 months of card membership.
Est. Value
$100
Required Spend
$100
Time Frame
1 Month
Est. Value
$100
Required Spend
$100
Time Frame
1 Month
Earning
Rewards
This card earns cash back, so the value is easy to understand: higher returns at Universal Studios, plus modest bonus rates on a few common spending categories. The key question is whether your Universal spending is large and regular enough to make this rewards mix stand out.
CategoryRate
Universal Studios
4%
Dining
2%
Gas
2%
Travel
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$99
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from First National Bank
See all 19 cards
25,000 Points
Worth $250
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
20,000 Points
Worth $200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Amtrak
- 2%Dining
- 2%Travel
Annual Fee
$99
Rec. Credit
Excellent