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Union Bank® Business Secured Visa® Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.74% (Variable)
Interest Rate: Purchases
17.74% (Variable)
Balance Transfer
17.74% (Variable)
Balance Transfer
17.74% (Variable)
Signup Bonus
Signup Bonus

Am I eligible?

Union Bank® Business Secured Visa® Credit Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $500.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Fit Small Business
Fit Small Business

Consider the Union Bank® Business Secured Visa® Credit Card if you’re in need of a business credit card despite having bad credit history and if you can make a security deposit of $500 to $25,000. While it doesn’t have an interest-free financing option, it has a low minimum regular APR of 15.49% and...

- Tricia Tetreault, Fit Small Business

We’re not convinced anyone should ever get a business secured card, but if you’re in the market for one, don’t bother with the Union Bank® Business Secured Visa® Credit Card*. There’s a $30 annual fee but the card earns no rewards and offers no major extra benefits or features beyond $0 fraud liabil...

- Chauncey Crail, Forbes


Interest Rates
Regular APR Interest Rate 17.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $30.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $35.00
Late Payment Fee $39.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Visa SavingsEdge
  • Emergency Card Replacement
Minimum Security Deposit $500
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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