This card is no longer available.
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.
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.
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.
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.
There is no signup bonus at this time.
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.
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.
|Union Bank® Visa® Credit Card||
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