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Union Bank American Express® Card
Mostly not recommended
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The Union Bank – American Express® Card is potentially a good choice for cardholders who seek cash back rewards. The card also features the highly regarded American Express® Member Rewards program for travel related benefits. But its relatively high APRs and numerous fees lessen the appeal of this card considerably.
Who Is the Union Bank – American Express® Card Designed For?
This is a regular consumer American Express® credit card, with the added benefit of no preset credit limit. It is no intended for students or for business use.
Are There Annual Fees?
There are no annual fees.
Does the Union Bank – American Express® Card Offer Rewards?
Cardholders receive 1 percent cash back on all purchases. There are no limits to the amount of cash back; rewards expire after 3 years. Cardholders also receive discounts on travel, including hotel rooms, airfares and car rental. Travel accident insurance, purchase protection and extended warranty protection are also provided.
Are There Foreign Transaction Fees?
Foreign transactions are subject to a 3 percent fee, payable in US Dollars.
Are There Late Payment or other Penalty Fees?
Late payments are charged 37 dollars; returned payments are charged 35 dollars. Balance transfers are charged 10 dollars or 3 percent, whichever is greater for transfers made during the first 12 billing cycles; after that the charge is either 10 dollars or 5 percent, whichever is greater. Cash advances are charged 15 dollars or 5 percent of the total transaction, whichever is greater. Overdrafts are charged 10 dollars each day if paid.
The Union Bank – American Express® card is great for cardholders who want to transfer balances from high-APR credit cards or who wish to make big ticket purchases. But balances and purchases must be paid off within a single year to gain the maximum benefit. Individuals who are less than diligent about maintaining on-time payments should also steer clear, because of the steep penalty APR. On the whole, individuals who have excellent credit can find better deals on credit cards.
Other Services by Union Bank
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|No Annual Fee|
|Late Payment Penalty||$35|
|Returned Payment Fee||$35|
|Grace Period for Late Payment (Days)||0|
|Minimum Interest Charge||$1.75|
|Foreign Currency Transaction Fee||3%|
|Credit Score Range||
640 - 850
850 300 640
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Purchase APR (Variable APR)||Starting at 13.99%|
|Balance Transfer APR (Variable APR)||Starting at 13.99%|
Union Bank Personal Credit Cards
Balance Transfer APR
Credit Score Range
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