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Last Updated: 05/14/2026

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Union Bank American Express® Card

from Union Bank

Last Updated: 05/14/2026

Mostly not recommended7 total votes

1 users recommend

4 users are unsure

2 users don't recommend

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Highlights

Community Rating

Mostly not recommended

Purchase APR (Variable APR)

Starting at 13.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

Starting at 13.99%(Verified 06/21/2024)

Credit Score Range

640 - 850

Annual Fee

Number of Reviews

Union Bank American Express® Card Review

This card is no longer available.

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.

Summary

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Created by

Fact Checked by

SuperMoney

Andrew Latham

Contact

Headquarters

400 California Street 1st Floor

New York

San Francisco, CA 94104

(800) 238-4486

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Email Support

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Other Credit Cards from Union Bank

Union Bank® Platinum Visa® Credit Card

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3 reviews

Purchase APR

8.49% - 19.99%

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Balance Transfer APR

8.49% - 19.99%

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Credit Score Range

680 - 850

300

850

Annual Fee

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -14, or 2.7 on a 5-point rating scale.

-14

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Union Bank American Express® Card Community Reviews

Would you recommend Union Bank American Express® Card to your friends?

Anonymous

May 1, 2015

May or may not recommend

I know this is true of many companies, but it is important to say. Be very careful about paying your bill on time. I would suggest paying it three days in advance, at least. I made the mistake of paying too close to the wire and I lost my zero percent APR :(. I did get an okay APR after that, and I did have six months of getting rid ...Show More

Anonymous

May 1, 2015

May or may not recommend

Not a lot of bells and whistles with this card, but it is satisfactory and helps you get to where you want to go if you want to pay off some high interest credit cards using the zero percent for 12 months. There is also no annual fee for the first year, which I definitely life. Although wish I didn't have to pay it next year.

Anonymous

May 1, 2015

May or may not recommend

I was able to get rid of a big amount of debt over the last few months thanks to this card. The zero percent APR has enabled me to consolidate some cards and to pay a ton less in interest every month. I've put that money I saved toward paying off the debt, and now I'm more than halfway there!

Anonymous

May 1, 2015

May or may not recommend

This place has good customer service and the website is awesome. You can check on your balance, etc. and it's easy to use it to pay. I came onboard to take advantage of the 12 months without interest and am staying because it's just a good all-around card.

Anonymous

May 1, 2015

May or may not recommend

I think the 1% back is good, but I'm always disappointed to see that about half of my purchases aren't qualified. :( I really get frustrated when I see my points at the end of the month. I know there are companies out there that don't do that and just give you an across-the-board percantage. Thinking about looking into such opportunities.

Anonymous

May 1, 2015

May or may not recommend

I recently got this card so that I can transfer money from much higher interest credit cards to this in order to hopefully pay the thing off within the 12 months they give you. I am 6 months in, and it's looking like I just might pull it off!

Anonymous

May 1, 2015

May or may not recommend

This co-branded card is a nice one. The big reason I got it was for the no APR for the first 12 months. This allowed me to shave off nearly $1000 in interest charges on a card I've been trying to pay off for four years. I made good headway and paid off the amount and now use the card for the rewarrds program that gives you 1% back on ...Show More

Showing 7 of 7 reviews