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  Union Bank® Platinum Visa® Credit Card

Union Bank® Platinum Visa® Credit Card

in Personal Credit Cards from Union Bank

Unaffiliated

Union Bank® Platinum Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Union Bank

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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1 user recommends
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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 8.49% - 19.99%
Balance Transfer APR  (Variable APR) 8.49% - 19.99%
Credit Score Range 680 - 850
Annual Fee $0

Union Bank® Platinum Visa® Credit Card Review

This is a credit card issued by Union Bank. If you're wondering whether Union Bank® Platinum Visa® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. Union Bank® Platinum Visa® Credit Card has a variable purchase APR that ranges from 8.49% up to 19.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Union Bank® Platinum Visa® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Union Bank® Platinum Visa® Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Union Bank® Platinum Visa® Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
Union Bank® Platinum Visa® Credit Card FAQ

Does Union Bank® Platinum Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Union Bank® Platinum Visa® Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Union Bank® Platinum Visa® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.49% up to 19.99%. The card has a variable balance transfer APR that ranges from 8.49% up to 19.99%. It also has a variable cash advance APR of 25.25% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Union Bank® Platinum Visa® Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

Union Bank® Platinum Visa® Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 8.49% - 19.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Union Bank® Platinum Visa® Credit Card have an intro APR offer on new purchases?

Union Bank® Platinum Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Union Bank® Platinum Visa® Credit Card?

The following fees apply:

  • There is no overlimit fee
Union Bank® Platinum Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Union Bank® Platinum Visa® Credit Card have a foreign transaction fee?

Union Bank® Platinum Visa® Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Union Bank® Platinum Visa® Credit Card?

The Union Bank® Platinum Visa® Credit Card customer service number is (800) 238-4486.

How do people rate the customer service and user experience of Union Bank® Platinum Visa® Credit Card?

Overall, Union Bank® Platinum Visa® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

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

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

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Union Bank® Platinum Visa® Credit Card

  • Visit the Union Bank® Platinum Visa® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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...
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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $15
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee Up to $35
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.25%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.49% - 19.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 8.49% - 19.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

Union Bank® Platinum Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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