Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.15% - 21.15%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
11.15% - 21.15%(Verified 06/21/2024)
Credit Score Range
Starting at 750
Annual Fee
$0
Union Plus Credit Card Review
This is a card issued by Union Plus. If you're wondering whether Union Plus Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: Union Plus Credit Card has a variable regular purchase APR that ranges from 11.15% up to 21.15%.
- 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.
- A 3% balance transfer fee. Union Plus Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Union Plus Credit Card
| The Good | The Bad |
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Union Plus Credit Card FAQ
Does Union Plus Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Union Plus Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Union Plus Credit Card has a variable purchase APR that ranges from 11.15% up to 21.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 21.15%. It also has a variable cash advance APR of 24.24% .
Does Union Plus Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.15% - 21.15% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Union Plus Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Union Plus Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $38 . What is the customer service phone number for Union Plus Credit Card?
The customer service number for Union Plus Credit Card is (800) 472-2005.
What is the support contact email for Union Plus Credit Card?
The support contact email for Union Plus Credit Card is help@unionplus.org.
How do people rate the customer service and user experience of Union Plus Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Union Plus Credit Card report your account activity to credit bureaus?
Yes, Union Plus Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does Union Plus perform a hard credit pull?
Yes, Union Plus Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Union Plus Credit Card
- Visit the website of Union Plus Credit Card.
- 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Union Privilege 1100 First Street, NE Suite 850
Washington, DC 20002
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-67
-1000+100
No one recommends
Everyone recommends
Union Plus Credit Card Community Reviews
Would you recommend Union Plus Credit Card to your friends?
CS
Carole S.
Jul 21, 2023
May or may not recommend
Paid and paid entire amount on account before due date then I was sent a bill this month for $3.80 if I didn't get a statement by mail I would have been hit with a late charge...besides their interest rates are one of the worst
JB
John B.
Jun 30, 2023
May or may not recommend
I got an email regarding Union Plus credit card to set up a different card with better returnes, I spent 1-1/2 hours on the phone, when it got to add the 6 number code there ws no one I talked to that could help me so I finally said forget it. It seems like everyone wants to or assumes uses a smart phone, My land line was rejected that ...Show More
U
Anonymous
May 30, 2023
May or may not recommend
Takes over a week for a payment that shows as paid to actually have any effect on your available balance. They keep the payment for over a week before they let you use any of it.
Would not recommend this card to even my worst enemy.
Showing 3 of 3 reviews
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