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Last Updated: 07/28/2025

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Union Bank Maximum Rewards Platinum Edition Visa

in Credit Cards from Union Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

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

Union Bank Maximum Rewards Platinum Edition Visa Review

This card is no longer available.

Who is the Union Bank's Maximum Rewards Platinum Edition Visa Designed For?

The Union Bank's Maximum Rewards Platinum Edition Visa is designed for people with fair to good credit who want to earn points on their purchases with a generous and flexible rewards program without having to pay an annual fee or outrageous rates.

What are the Rates for Maximum Rewards Platinum Edition Visa Card?

The rates on purchases and balance transfers range from 15.99% APR to 22.99% APR depending on how customers meet Union Bank's credit criteria. New customers receive an intro 0% APR on purchases and balances for the first 12 months. There is no penalty rate but cash advances come with a hefty 25.24% APR.

What Are the Fees for Maximum Rewards Platinum Edition Visa?

The Maximum Rewards Visa has no annual fee and no over limit fee, which is good for a card with a rewards program that has such modest credit eligibility requirements. It does have an introductory 3% ($5 minimum) balance transfer fee on the initial balance transfers and a 5% balance transfer fee once the intro rate expires. Cardholders also pay a 5% fee on cash advances ($10 minimum cash advance fee), a 3% foreign transaction fee, a $37 fee on late payments and a $35 on returned payments.

What Is Union Bank's Maximum Rewards Platinum Edition Visa Rewards Program Like?

Union Bank's Maximum Rewards Platinum Visa gives users 1 point for every $1 spent. There is no limit on the points cardholders can earn and they take five years to expire. The rewards program is flexible and easy to use. Points can be exchanged for cash back, merchandise, gift cards and travel purchases.

What about Union Bank's Maximum Rewards Platinum Edition Visa Signup Bonus?

There is no signup bonus at this time.

Does Union Bank's Maximum Rewards Platinum Edition Visa Have Any Other Benefits?

Maximum Rewards Platinum Visa members receive complimentary auto rental insurance, travel accident insurance, purchase protection for eligible personal property up to $1,000 for 90 days since the date of purchase, and a year of extended warranty.

How Is Union Bank's Maximum Rewards Platinum Edition Visa Better Than Other Credit Cards?

Union Bank's Maximum Rewards Platinum Visa gives people with not so great credit the chance of enjoying a decent rewards program while they build their credit, and without having to pay anything toward annual fees. Its rates are competitive for this type of credit card and it includes useful benefits and perks like auto rental insurance, travel accident insurance, extended warranty and purchase protection that similar rewards card don't usually include.

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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.

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