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Union Bank® Travel Rewards™ Visa® Credit Card review

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Advertiser Disclosure

Annual Fee
$49.00
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable)
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 12 months)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 12 months)
Rewards
1 - 3 points
Rewards
1 - 3 points
Signup Bonus
20000 points (after spending $1,500)
Signup Bonus
20000 points (after spending $1,500)


Am I eligible?


Union Bank® Travel 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.

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 28.24% (Variable)

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

Balance Transfer Interest Rate 18.24% ‐ 28.24% (Variable) (0% for the first 12 months)

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 $49.00

Waived on the first year

Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 20000 points after spending $1,500

On purchases within the first 3 months

Rewards
All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent (on first $6000 spent)
Gas No
Groceries No
Hotels No
Travel 3 points per $1 spent (on first $6000 spent)
Pharmacy No
Bills No
Additional Details

Earn a reward bonus of 25% when you redeem reward points into your Union Bank checking or savings account or a 50% reward bonus when you redeem 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 No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting
  • Roadside Dispatch
Eligibility
Minimum Security Deposit $0
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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