Union Plus Credit Card

Union Plus Credit Card Review

This is a credit 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% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
• Competitive APRs. Union Plus Credit Card has a variable 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.
• 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.
• Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.

Pros & Cons of Union Plus Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 11.15% up to 21.15%. No annual fee. Identity Theft Protection. Union Plus Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card benefits.

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.

What are the Union Plus Credit Card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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% .

What are the fees for Union Plus Credit Card?

The following fees apply:

Union Plus Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Union Plus Credit Card report your account activity to credit bureaus?

Yes, Union Plus 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 may help improve your credit.

How to apply for Union Plus Credit Card

• Visit the Union Plus 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.