Union Bank Rewards Visa Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 26.24% (0% for the first 12 months)
Balance Transfer
16.24% ‐ 26.24% (0% for the first 12 months)
Rewards
1 - 3 points
Signup Bonus
10000 points (after spending $1,000)


7.6/10
Informr score
The Union Bank Rewards Visa Credit Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Union Bank Rewards Visa Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Doctor Of Credit

This card is significantly more interesting with the new 5x category and points being worth up to 1.5¢ each. I don’t think most people will have a mortgage with Union, but having a checking account doesn’t seem unreasonable to get 1.25¢ per point. That means the 5x category is = 6.25% back. Keep in...

- William Charles, Doctor Of Credit
Money Crashers

A solid choice for people who already have relationships with Union Bank. The ideal user is a Union Bank mortgage holder with existing high-interest credit card debt and an ample grocery budget. Since this card’s rewards program doesn’t really hold up to the leading no-annual-fee cash back credit ca...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 26.24% (0% for the first 12 months)

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

Balance Transfer Interest Rate 16.24% ‐ 26.24% (0% for the first 12 months)

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

Cash Advance Interest Rate 27.5%

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 10000 points after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent (on first $6000 spent)
Gas 2 points per $1 spent (on first $6000 spent)
Groceries 2 points per $1 spent (on first $6000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Earn 5 points for every $1 spent up to $6,000 the first year after account opening on mobile wallet purchases
  • 25% bonus when you redeem your reward points as cash back to your Union Bank checking or savings account.
  • 50% bonus when you redeem your reward points as a principal reduction payment to your Union Bank mortgage.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits
  • Cell Phone Protection
  • Roadside Dispatch
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
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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Critic Reviews


Doctor Of Credit

More significant with new rewards category

from Doctor Of Credit

This card is significantly more interesting with the new 5x category and points being worth up to 1.5¢ each. I don’t think most people will have a mortgage with Union, but having a checking account doesn’t seem unreasonable to get 1.25¢ per point. That means the 5x category is = 6.25% back....More

This card is significantly more interesting with the new 5x category and points being worth up to 1.5¢ each. I don’t think most people will have a mortgage with Union, but having a checking account doesn’t seem unreasonable to get 1.25¢ per point. That means the 5x category is = 6.25% back. Keep in mind the mobile payment category is limited to $6,000 in spend but that’s still 30,000 points worth $375 if redeemed into a checking account.

Read full review

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Money Crashers

A solid choice for moderate grocery shoppers

from Money Crashers

A solid choice for people who already have relationships with Union Bank. The ideal user is a Union Bank mortgage holder with existing high-interest credit card debt and an ample grocery budget. Since this card’s rewards program doesn’t really hold up to the leading no-annual-fee cash back cr...More

A solid choice for people who already have relationships with Union Bank. The ideal user is a Union Bank mortgage holder with existing high-interest credit card debt and an ample grocery budget. Since this card’s rewards program doesn’t really hold up to the leading no-annual-fee cash back credit cards, it’s not suitable for those seeking only to maximize their return on spending.

Read full review

Less

User Reviews


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