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, and was established in 1864.

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 charges a variable APR on new purchases that ranges from 10.99% to 20.99%. Balance transfer APRs, which are also variable, range from 10.99% to 20.99%

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 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.

What additional benefits are offered?

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

  • Free FICO score
  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Fraud liability

  • Credit Score Range
    680 - 850
  • 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
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • No Annual Fee
  • Card Type
    • Low APR
    • Balance Transfer
  • 0% Introductory APR
  • Card Network
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • Balance Computation
    average daily balance (including new purchases)
  • Penalty APR
  • Purchases APR (variable)
    10.99% - 20.99%
  • Transfer Fee
    3% ($10 minimum)
  • Balance Transfer APR (variable)
    10.99% - 20.99%
  • Intro APR period (months)
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