Union Bank® Secured Visa® Credit Card review

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Advertiser Disclosure

Annual Fee
$25.00
Minimum Deposit
$300.00
Interest Rate: Purchases
18.99% (Variable)
Balance Transfer
18.99% (Variable)


7.2/10
Informr score
The Union Bank® Secured Visa® Credit Card currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Union Bank® 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 $300.

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...


Finder

Union Bank’s secured card is a solid option if you’re looking to build a positive credit history. It reports your on-time payments to the major credit bureaus, which can get you on the road to financial health more quickly.

- Finder
Wise Bread

The Union Bank Secured Visa Card is designed for those who have had credit problems in the past, have no credit, or want to increase their credit rating. In exchange for a security deposit, you receive a credit card with reasonable annual fee and an opportunity to transfer to an unsecured credit car...

- Christina Majaski, Wise Bread
Money Crashers

The Union Bank Secured Visa® Card is a solid choice for applicants who live on the West Coast and can afford the $300 minimum opening deposit. It’s not ideal for folks set on earning rewards for every dollar they spend, nor those who can’t make it to a branch to apply in person.

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 18.99% (Variable)

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

Balance Transfer Interest Rate 18.99% (Variable)

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

Cash Advance Interest Rate 25.25% (Variable)

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

Rates & Fees
Annual Fee $25.00
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 $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
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 No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards No
Additional Benefits

- Cell Phone Protection

- Roadside Dispatch

- Emergency Card Replacement

- Emergency Cash Disbursement

Eligibility
Minimum Security Deposit $300
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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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