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
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
- Employed Full-Time
- Employed Part-Time
- Active Duty Military
- Military Dependent
- 1099 Misc. Income
- Direct Deposit (W2, SSA, SSDI)
- Payroll Check or Prepaid Card
- U.S. Citizen
- U.S. Permanent Resident
- Low Interest
- Balance Transfer
- Zero Percent