Universal Rewards Plus Visa Signature®
- Annual Fee
- $99
- statement credit · Welcome Bonus
- $250
- Highest rate (conditional)
- Up to 4X (Universal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $99
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Universal Rewards
- Credit Required
- Good
Welcome Offer
Bonus: $250 statement credit
Earning Rates
- 4X
Universal
4% Back in Rewards on Universal purchases
- 2X
Dining
2% Back in Rewards on Dining purchases
- 2X
Gas Stations
2% Back in Rewards on Gas purchases
- 2X
Travel
2% Back in Rewards on Travel purchases
- 1X
All Other
1X Point Per Dollar Spent everywhere else
Benefits & Perks
Lounge Access
Visa Everywhere Lounge
Access to The Visa Everywhere Lounge at Universal Studios Hollywood and Universal Studios Florida. Open Noon–5:00pm daily.
Dining Out
2x at restaurants
Universal Rewards
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
Annual fee: $99
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $99 Worth It?
First-year value includes $250 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
Payment Terms
| Purchase APR | 21.24%–28.24% (Variable) |
| Cash Advance APR | 28.24% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page: Benefit flags | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
