Out of Business

Union Bank Graphite American Express® Card

in Personal Credit Cards

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Out of Business

Union Bank Graphite American Express® Card

in Personal Credit Cards

SuperMoney Net Recommendation Score -67% 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.

Strongly not recommended

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Consumers that enjoy travel rewards and cash back can reap significant benefits from the Union Bank Graphite American Express® Card. Likewise, if you can qualify for the lower APRs. But stiff fees and a punishing penalty APR could wipe out any savings.

Who Is the Union Bank Graphite American Express® Card Designed For?

The Union Bank Graphite American Express® Card is a bank-issued prestige consumer credit card. It is not intended for students or for business use.

Are There Annual Fees?

There are no annual fees for the first year; after that the annual fee is 99 dollars.

Does the X Card Offer Rewards?

Cardholders receive 3 points for every 1 dollar (equal to 3 percent cash back) for airline purchases, 2 points for every 1 dollar for gas and grocery purchases and 1 point for each 1 dollar spent for everything else. There is no limit on the number of points that can be earned. Points expire after three years. Cardholders also benefit from concierge services, one discounted domestic companion ticket on each anniversary, travel accident insurance, purchase protection, extended warranty and auto rental collision damage waiver coverage. There are also no preset spending limits.

Are There Foreign Transaction Fees?

There are no foreign transaction fees.

Are There Late Payment or other Penalty Fees?

Late payments are penalized 37 dollars; returned payments are penalized 35 dollars. Balance transfers are charged 10 dollars or 3 percent per transfer, whichever is greater. Cash advances or cash equivalent advances are charged 15 dollars or 5 percent each, whichever is greater. Paid overdrafts are charged 10 each day.


The Union Bank Graphite American Express® card provides generous cash back benefits and the excellent customer service that American Express® cardholders have come to rely on. But the high annual fee and stiff penalties could wipe out many potential benefits. This is especially true if you are ever subject to the steep penalty APR. 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...


Other Services by Union Bank


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

Feature Breakdown

Over-Limit Fee
Foreign Currency Transaction Fee
No Annual Fee First Year
No Foreign Transaction Fee
Annual Fee
Minimum Interest Charge
Late Payment Penalty
Returned Payment Fee
Grace Period / Deferred Interest (Months)
Credit Score Range
640 - 850
850 300 640
Minimum Age
Customer Type
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
  • Cash Back
Card Network
  • American Express
Fraud Liability
Car Rental Insurance
Extended Warranty
Travel Insurance
Flight Insurance
Purchases APR
Starting at
Introductory Rate
Balance Transfer APR
Starting at
Transfer Fee
5% w/$10 min.
Introductory Rate


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Purchases APR 11.49% - 21.49% 0% 29%
Balance Transfer APR 11.49% - 21.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 680 - 850 300 850