Frequently Asked Questions

Yes, there are currently two credit card programs to choose from. 

Universal Rewards Plus Visa Signature Card - $99 Annual Fee1

  • 4% back in rewards on qualifying Universal Purchases2
  • 2% back in rewards on Travel, Gas and Dining purchases2
  • 1% back in rewards on all other purchases2
  • Plus, additional benefits

Universal Rewards Visa Signature Card – No Annual Fee*

  • 2% back in rewards on qualifying Universal Purchases**
  • 1% back in rewards on all other purchases**
  • Plus, additional benefits

Qualifying Universal Purchases are how you can earn the most rewards within Universal Orlando Resort and Universal Studios Hollywood:

  • Universal Rewards Plus Visa Signature Card - 4% back in rewards on qualifying Universal Purchases.2
  • Universal Rewards Visa Signature Card - 2% back in rewards on qualifying Universal Purchases. **

Purchases at the following would be considered a qualifying Universal Purchase: 

  • All purchases made at Universal Studios Florida, Islands of Adventure, Volcano Bay, and Universal Studios Hollywood. Includes purchases made at Tapu Tapu at Volcano Bay, Universal Pay at Universal Orlando Resort and Third Party Vendors inside the theme parks with the exception of timeshare locations. 
  • Universal owned and operated locations in Universal CityWalk Orlando, Universal CityWalk Hollywood, Universal Orlando Resort Onsite Hotels, and airport stores. Click here for the full list of Universal owned and operated locations in Universal CityWalk Orlando, Universal CityWalk Hollywood, Universal Orlando Resort Onsite Hotels, and airport stores.
  • Theme Park/CityWalk Parking at Universal Orlando Resort and Universal Studios Hollywood. 
  • UniversalOrlando.com All products, such as theme park tickets and Universal Express passes, are eligible. Vacation packages purchased online from Universal Parks & Resorts Vacations (accessed via www.UniversalOrlando.com) are eligible with the exception of Hotel only reservations. If you have the Universal Rewards Plus Visa Signature card, hotel only reservations that are not a part of a vacation package would be considered a Travel Purchase and earn 2% back in rewards.2
  • UniversalStudiosHollywood.com All products are eligible.  Vacation packages purchased online from Universal Parks & Resorts Vacations (accessed via www.UniversalStudiosHollywood.com) are eligible.
  • Purchases made in the official Universal Orlando and Universal Studios Hollywood mobile applications, including mobile food and drink orders.

The list of Universal Purchase locations is subject to change at any time without notice. For more information please see the Rewards Terms and Conditions provided at the time of application.  

In addition to the 4% back in rewards you will earn as a Universal Rewards Plus Visa Signature cardholder on qualifying Universal purchases, you will also earn 2% back in rewards on Travel, Gas and Dining purchases as well as 1% back in rewards on all other purchases.2

In addition to the 2% back in rewards you will earn as a Universal Rewards Visa Signature cardholder on qualifying Universal purchases you will also earn 1% back in rewards on all other purchases.2

Log In to manage your credit account.

Within your account management area, you can pay your bill, monitor transactions, set up account alerts, access your rewards and more. 

Universal Rewards Plus Visa Signature cardholders have the opportunity to earn an anniversary bonus on or shortly after their card anniversary. That anniversary bonus is one (1) single day theme park general admission ticket to (i) Universal Studios Florida and Universal Islands of Adventure or (ii) Universal Studios Hollywood on or shortly after your card anniversary, when you spend $6,000 or more with your Universal Rewards Plus Visa Signature Card during each 12 billing cycle period. Restrictions apply.2

Coming soon, Universal Rewards Plus Visa Signature cardholders can also enjoy access to the Visa lounge inside Universal Studios Hollywood and Universal Studios Florida.3

Both Universal Rewards Plus and Universal Rewards Visa Signature cardholders will receive 10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalks in Orlando and Hollywood. To receive the discount, you must mention the 10% discount and use your Universal Rewards Plus or Universal Rewards Visa Signature Card for the purchase. Mobile orders are excluded, and additional exclusions and restrictions may apply.4  For a list of locations where the 10% discount is available, click here.

Make sure to keep your contact information current so you are receiving the most up to date information on new benefits. There will be more benefits to come for both Universal Rewards and Universal Rewards Plus Visa Signature cardholders.

For Universal Rewards Plus Visa Signature cardholders, the Welcome Bonus is a $100 Statement Credit you’ll receive when you spend $100 within your first billing cycle after your account is open.2

For Universal Rewards Visa Signature cardholders, the Welcome Bonus is a $50 Statement Credit you’ll receive when you spend $100 within your first billing cycle after your account is open.**

0% APR for six (6) months anytime you spend $1,000 or more in one qualifying Universal Purchase. After 6 months, your APR will be a variable APR1* based on the Prime Rate between 21.99% and 28.99% APR1* depending on your credit.

For Universal Rewards Plus Visa Signature cardholders, on or shortly after your card anniversary you will receive one (1) complimentary Universal Orlando 2-Park 1-Day Park-to-Park ticket valid at Universal Studios Florida and Universal Islands of Adventure

OR

One (1) complimentary Universal Studios Hollywood 1-Day General Admission ticket.

This ticket can be earned if $6,000 or more in Net Purchases is posted to the Account within a Qualification Period2.  Tickets are date specific and must be booked online (subject to availability) using a special redemption code and used within 12 months following the end of the Qualification Period2. Tickets are subject to blackout dates; additional restrictions apply.  

To redeem your rewards login to your Universal Rewards Visa account or call the number on the back of your Universal Rewards Plus or Universal Rewards Visa Signature Card. You will load your rewards on to a Universal FUNds Visa® Prepaid Card (Universal FUNds) which can be used for on-site purchases at Universal Studios Florida, Universal Islands of Adventure, Universal Volcano Bay and Universal Studios Hollywood, including theme park tickets, Universal Express passes, select merchandise, select food and beverages, at select locations within Universal CityWalks and on vacation packages purchased online from Universal Parks & Resorts Vacations (accessed via UniversalStudiosHollywood.com and UniversalOrlando.com).

You can also use your Universal FUNds for flights and hotel stays booked directly with airlines and hotels.

Your unredeemed rewards will expire on or after the third-anniversary from the date in which they were awarded to your Universal Rewards account (Unless applicable law provides otherwise). Rewards redeemed and loaded on your Universal FUNds Visa Prepaid Card, will not expire.

Your Universal FUNds Visa Prepaid Card is valid for up to 24 months, funds do not expire and may be available after card expiration date, fees may apply. Terms and conditions apply.

It will take around 10 business days to receive your Universal FUNds Visa Prepaid Card in the mail. 

You will get a new Universal FUNds Visa Prepaid Card every time you select to redeem rewards with the redemption amount loaded onto the card. When the Universal FUNds balance has been spent in full, you can discard that card.

It will take around 10 business days to receive your Universal FUNds Visa Prepaid Card in the mail. 

You must load a minimum of $25 on to the Universal FUNds Visa Prepaid Card and you can put a maximum of $1,000 (in $25 increments). You can order multiple Universal FUNds Visa Prepaid Cards at once. 

Your Universal FUNds Visa Prepaid Card can be used at Universal owned and operated locations. Your Universal FUNds can be used for the following purchases:

On-site at Universal Parks:

  • Select food and beverages
  • Theme Park Tickets
  • Universal Express passes
  • Merchandise

Vacation packages purchased online from Universal Parks & Resorts Vacations (accessed via UniversalStudiosHollywood.com and UniversalOrlando.com).

Also, your Universal FUNds can be used for flights and hotel stays booked directly with the airline or hotel.

To use your Universal FUNds Visa Prepaid Card on an in-store purchase where you don’t have the full purchase amount available on the card, you will need to do a split transaction. Ensure that the merchant knows you need to split your payment across multiple payment types. 

You can do split payments on vacation packages purchased online from Universal Parks & Resorts Vacations (accessed via  UniversalStudiosHollywood.com and UniversalOrlando.com). As well as on in-park purchases for tickets, merchandise, food and beverages, Universal Express passes and more at more at Universal Studios Florida, Universal Islands of Adventures, Universal Volcano Bay and Universal Studios Hollywood; and at select locations in Universal CityWalks.

To use your Universal FUNds online with Universal you will need the full amount on your Universal FUNds Visa Prepaid Card.  The exception is Universal Parks and Resorts Vacation packages, those can utilize a partial payment online. 

Yes, if you have the full amount needed to purchase your ticket(s) or Universal Express pass(es) you can use your Universal FUNds to purchase them online. If you are using your Universal FUNds to fund a portion of the ticket or Universal Express pass(es) purchase, you’ll need to purchase the ticket(s) or Universal Express pass(es) at the park. Please remember that ticket prices and availability vary by day.

IMPORTANT INFORMATION

See the Summary of Credit Terms for each product for information on rates, fees, costs, conditions, and limitations. Minimum monthly payments required.

You must pay your entire statement balance (with the exception of purchases made with this promotional rate during its promotional rate period) in full by the payment due date each month to avoid being charged interest on new non-promotional purchases from the date those purchases are made.

1For additional information about the Annual Percentage Rates (APRs) fees, and other costs for the Universal Rewards Plus Visa Signature Card, see the Summary of Credit Terms.

2See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration and forfeiture (subject to applicable law) and ticket restrictions. Percentage back earned as points.

3Must present valid Universal Rewards Plus Visa Signature® Card and valid photo ID for lounge entry. Valid for up to four (4) people per card (including cardholder). Separate theme park admission required. Subject to availability, limited capacity. Lounge hours, availability, and offerings subject to change without notice.

4You must mention and use your Universal Rewards Plus Visa Signature® Card or Universal Rewards Visa Signature® Card at time of purchase to receive discount. Discount is valid at select Universal Orlando Resort and Universal Studios Hollywood owned and operated food and beverage locations and carts and merchandise stores and in theme parks and Universal CityWalk.

All dining discounts apply to food and non-alcoholic beverages except where noted. Discounts not valid on gift cards, online purchases, mobile food and drinks orders, Tapu Tapu, carnival games, special events, holiday dining, alcoholic beverages, film, collectibles and Nintendo and other specialty or limited-edition merchandise; excludes gratuity and tax. Offer subject to availability and to change without notice and cannot be combined with any other offers, promotions, discounts, or prior purchases. Additional exclusions and restrictions may apply.

*For additional information about the Annual Percentage Rates (APRs) fees, and other costs, see the Summary of Credit Terms.

**See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration and forfeiture (subject to applicable law). Percentage back earned as points.

Universal FUNds Visa Prepaid Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used at select merchants that accept Visa debit cards, see MyPrepaidCenter.com/page/univ-studios-vpc. Card valid for up to 24 months, funds do not expire and may be available after card expiration date, fees may apply. Terms and conditions apply.