Union Bank® Platinum Visa® Credit Card
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| 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 card issued by Union Bank. If you're wondering whether Union Bank® Platinum Visa® Credit Card is the right card for you, read on.
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 |
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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. This card has lower than average regular APRs.Union Bank® Platinum Visa® Credit Card 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.
| 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?
| 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
| 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.
What is the support contact email for Union Bank® Platinum Visa® Credit Card?
The support contact email for Union Bank® Platinum Visa® Credit Card is customer@unionbank.com.
What is the Union Bank® Platinum Visa® Credit Card login page?
You can access the Union Bank® Platinum Visa® Credit Card login page here.
How do people rate the customer service and user experience of Union Bank® Platinum Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
400 California Street 1st Floor
New York
San Francisco, CA 94104 USA - (800) 238-4486
- Visit Site
- Email Support
Other Services by Union Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 15 months |
Union Bank® Platinum Visa® Credit Card Community Reviews
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