Union Bank® Visa® Credit Card

in Personal Credit Cards

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Union Bank® Visa® Credit Card


in Personal Credit Cards

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Who is this credit card designed for?

Union Bank® Visa® Credit Card is a credit card issued by Union Bank, which is based in San Francisco, CA.

Union Bank® Visa® Credit Card is designed for people with a credit score of 680 to 850. It's perfect for consumers looking for a card without an annual fee.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Union Bank charges a variable APR on new purchases that ranges from 10.99% to 20.99%. Balance transfer APRs, which are also variable, range from 10.99% to 20.99%

Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

Yes, Union Bank® Visa® Credit Card offers an introductory APR rate of 0% for a period of 12 months.

What are the fees?

The following fees apply to Union Bank® Visa® Credit Card:

  • There is no annual fee
  • A late payment penalty of $37.
  • A returned payment fee of $35.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, Union Bank® Visa® Credit Card does not offer a rewards program.

Is a signup bonus offered?

Union Bank® Visa® Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Union Bank® Visa® Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

Union Bank® Visa® Credit Card provides the following benefits:

  • Free FICO score
  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Fraud liability 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...


  • Headquarters
  • 400 California Street
    San Francisco, CA 94104 USA
  • Visit Site

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

Grace Period / Deferred Interest (Months)
Annual Fee
No Annual Fee
Late Payment Penalty
Returned Payment Fee
Minimum Interest Charge
Foreign Currency Transaction Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Credit Score Range
680 - 850
850 300 680
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
Customer Type
Card Type
  • Low Interest
  • Balance Transfer
  • Zero Percent
Card Network
  • Visa
Free FICO Score
Emergency Support
Car Rental Insurance
Extended Warranty
Fraud Liability
Purchases APR (variable)
10.99% - 20.99%
0% 29%
Balance Computation
average daily balance (including new purchases)
Penalty APR
Introductory Rate
Balance Transfer APR (variable)
10.99% - 20.99%
8% 29%
Transfer Fee
3% ($10 minimum)
Introductory Rate
Intro APR period (months)

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