Am I eligible?
To get this card, you must also:
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...
- Brian Martucci, Money CrashersThe 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.
- Christina Majaski, Wise BreadThe 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...
- FinderUnion 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
23.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
23.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.5% (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, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $300 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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