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  Union Bank® Visa® Credit Card

Union Bank® Visa® Credit Card

in Personal Credit Cards from Union Bank

Unaffiliated

Union Bank® Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Union Bank

Net Recommendation Score 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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Annual Fee $0
Purchase APR  (Variable APR) 11.49% - 21.49%
Balance Transfer APR  (Variable APR) 11.49% - 21.49%
Credit Score Range 680 - 850

Union Bank® Visa® Credit Card Review

Union Bank® Visa® Credit Card is a credit card issued by Union Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 680. If you're wondering whether Union Bank® Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Union Bank® Visa® Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Purchase Protection.
  • Union Bank® Visa® Credit Card reports to multiple credit bureaus.
  • 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.
  • Is there a Union Bank® Visa® Credit Card cash back or rewards program?

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

    Union Bank® Visa® Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

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

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

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Zero fraud liability
    • Cellular Telephone Protection
    • ID Theft Protection
    • Reports to major credit bureaus

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

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Union Bank® Visa® Credit Card has lower than average purchase 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.

    Does Union Bank® Visa® Credit Card have an introductory APR offer?

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

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    Union Bank® Visa® Credit Card Balance Transfers
    Description
    Balance Transfer APR 11.49% - 21.49%
    Introductory Rate 0%
    Intro APR period (months) 12
    Union Bank® Visa® Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 11.49% - 21.49%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR Starting at 26.75%
    Introductory Rate 0%
    Intro APR period (months) 12

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

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

    Union Bank® Visa® Credit Card Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee $35
    Late Payment Fee $37

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

    Union Bank® 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 a foreign transaction fee.

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

    How to apply for Union Bank® Visa® Credit Card

    • Visit the Union Bank® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 21
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount $37
    Minimum Interest Charge $1.75
    Returned Payment Fee $35
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Low Interest
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    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
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Free FICO Score  
    Cash Advance APR (Variable APR) Starting at 26.75%
    Purchase APR (Variable APR) 11.49% - 21.49%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 11.49% - 21.49%
    Intro APR period 12
    Introductory Rate 0%

    Union Bank® Visa® Credit Card Community Reviews

     

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