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  Union Bank American Express® Card

Not Currently Available

Union Bank American Express® Card
in Credit Cards from Union Bank

Not Currently Available

Union Bank American Express® Card

in Credit Cards from Union Bank
SuperMoney Net Recommendation Score -14  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -14, equating to 2.7 on a 5 point rating scale.

-14

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

1 user recommends
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%
Balance Transfer APR  (Variable APR) Starting at 13.99%
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 7

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday Closed
  • Tuesday Closed
  • Wednesday Closed
  • Thursday Closed
  • Friday Closed
  • Saturday Closed

Other Services by Union Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.75
Over-Limit Fee $0
No Interest Grace Period for Late Payment 0 days
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Purchase APR (Variable APR) Starting at 13.99%
Balance Transfer APR (Variable APR) Starting at 13.99%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network American Express

Union Bank American Express® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -14, equating to 2.7 on a 5 point rating scale.

-14

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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