Features

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.

It is 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 allows 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:

  • 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% commission. 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?

    No, it doesn't offer a cash signup bonus.

    What additional benefits does 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
      18
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
      Personal
    • Grace Period / Deferred Interest
      21
    • Late Payment Penalty
      $37
    • Minimum Interest Charge
      $2
    • Returned Payment Fee
      $35
    • Foreign Currency Transaction Fee
      3%
    • No Annual Fee
    • Card Type
      • Low APR
      • Balance Transfer
    • 0% Introductory APR
    • Card Network
      Visa
    • Car Rental Insurance
    • Emergency Support
    • Extended Warranty
    • Fraud Liability
    • Free FICO Score
    • Balance Computation
      average daily balance (including new purchases)
    • Penalty APR
      29.99%
    • Purchases APR (variable)
      10.99% - 20.99%
    • Transfer Fee
      3% ($10 minimum)
    • Balance Transfer APR (variable)
      10.99% - 20.99%
    • Intro APR period (months)
      12
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