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  Union Bank Graphite American Express® Card

Not Currently Available

Union Bank Graphite American Express® Card

in Personal Credit Cards from Union Bank

Not Currently Available

Union Bank Graphite American Express® Card

in Personal Credit Cards from Union Bank

Net Recommendation Score -67

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-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.

Rating not yet determined  

0 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) Starting at 13.99%
Balance Transfer APR  (Variable APR) Starting at 13.99%
Credit Score Range 640 - 850
Annual Fee $99

Union Bank Graphite American Express® Card Review

This card is no longer available.

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.

Summary

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.

 

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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.

Availability

  Available in 50 states and Washington, D.C.
  • 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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Over-Limit Fee $0
Annual Fee $99
Minimum Interest Charge $1.75
No Interest Grace Period for Late Payment 0 days
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Credit Score Range 640 - 850
Purchase APR (Variable APR) Starting at 13.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) Starting at 13.99%
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
  • Cashback
Card Network American Express

Union Bank Graphite American Express® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-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.

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