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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

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Highlights
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Community Rating

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

Union Bank® Visa® Credit Card Review

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

Key takeaways:

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Union Bank® Visa® Credit Card has a variable purchase APR that ranges from 11.49% up to 21.49%.
  • 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® Visa® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 rental insurance, emergency support, extended warranty protection on purchases, purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.

Union Bank® Visa® Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Union Bank® 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.

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.

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 on balance transfers?

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

Union Bank® Visa® Credit Card Balance Transfers
Description
Balance Transfer APR 11.49% - 21.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10

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

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 Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

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

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%
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

  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) 12 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee $35
Late Fee Amount $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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
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
Free FICO Score  
Cash Advance APR (Variable APR) Starting at 26.75%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 11.49% - 21.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.49% - 21.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Union Bank® Visa® Credit Card Community Reviews

 

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