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Union Bank® Visa® Credit Card

in Personal Credit Cards

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Union Bank® Visa® Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

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® Visa® Credit Card has a variable purchase APR that ranges from 11.49% up to 21.49%.

The card has a variable balance transfer APR that ranges from 11.49% up to 21.49%.

It also has a variable cash advance APR starting at 26.75%.

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 on balance transfers of 0% for a period of 12 months.

This card does offer an introductory APR rate on new purchases 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 Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Reports to major credit bureaus

Does Union Bank® Visa® Credit Card report your account activity to credit bureaus?

Union Bank® Visa® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

SUPERMONEY Disclosure: SuperMoney.com 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...

Availability

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

Grace Period for Late Payment (Days) 21
Annual Fee $0
No Annual Fee  
Late Payment Penalty $37
Returned Payment Fee $35
Minimum Interest Charge $1.75
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 680 - 850
850 300 680
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
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
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Emergency Support  
Free FICO Score  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Purchase APR (Variable APR) 11.49% - 21.49%
Cash Advance APR (Variable APR) Starting at 26.75%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 11.49% - 21.49%
Introductory Rate 0%
Intro APR period (months) 12

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