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Union Bank® Visa® Credit Card

in Personal Credit Cards

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Union Bank® Visa® Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

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.

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.

Is an annual loyalty bonus offered?

Union Bank® Visa® Credit Card doesn't offer a cash loyalty 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

 

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Contact

  • Headquarters
  • 400 California Street
    San Francisco, CA 94104 USA
  • Visit Site

Other Services by Union Bank

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
21
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$35
Minimum Interest Charge
$1.75
Foreign Currency Transaction Fee
3%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Credit Score Range
680 - 850
850 300 680
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Card Type
  • Low Interest
  • Balance Transfer
  • Zero Percent
Card Network
  • Visa
Free FICO Score
Emergency Support
Car Rental Insurance
Extended Warranty
Fraud Liability
Purchases APR (variable)
10.99% - 20.99%
0% 29%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
Introductory Rate
0%
Balance Transfer APR (variable)
10.99% - 20.99%
8% 29%
Transfer Fee
3% ($10 minimum)
Introductory Rate
0%
Intro APR period (months)
12

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