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 Visa Signature®
This card is built for Universal Studios fans who want a no-annual-fee card tied to their park spending, not for someone trying to maximize everyday cash back. Its value is strongest if you make regular Universal purchases and just want a simple card to keep in that part of your wallet.
Welcome Offer
$50
Annual Fee
$0
Rec. Credit Score
Good
Good For
Universal park fans
All information about Universal Rewards Visa Signature® has been collected independently by MaxRewards. Universal Rewards 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 Visa Signature® worth it?
This card is great for...
Universal Studios spending
No-fee occasional use
Simple cash back
The Universal Rewards Visa Signature® makes the most sense for cardholders who spend at Universal Studios and want a straightforward way to earn a little extra back there without paying an annual fee. The 2% return on Universal purchases is easy to understand, and the low-spend welcome offer is accessible if you are opening the card ahead of a trip or for regular purchases with the brand.
For most readers, though, this is a niche card. Outside of Universal spending, it earns just 1% back everywhere else, which is easy to beat with many general cash-back cards. If Universal is only an occasional expense, this works better as a specialty card for those purchases than as a primary card for everyday spending.
MaxRewards Verdict
A reasonable pick for dedicated Universal visitors who want a no-fee card for brand spending. For everyday use, the rewards are too limited to stand out.
Welcome Offer
$50
after you spend $100 on purchases on your new card in your first 1 months of card membership.
Est. Value
$50
Required Spend
$100
Time Frame
1 Month
Est. Value
$50
Required Spend
$100
Time Frame
1 Month
Earning
Rewards
The rewards setup here is simple cash back: elevated earnings at Universal Studios, then a standard 1% back on everything else. Think of it as a category-specific card rather than one you would reach for across most of your spending.
CategoryRate
Universal Studios
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
$0
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
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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