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...
- Glen Luke Flanagan, Robin Saks Frankel, ForbesIf you’re looking for a credit card with more than a year of 0% intro APR and no balance transfer fee, the Union Bank Platinum might be your best choice. Cards that don’t charge a balance transfer fee are rare, and those that exist often have credit union membership requirements. That said, the Unio...
- Cynthia Measom, GOBankingRatesIf you’re interested in transferring higher-interest balances and paying them off within the 15- month introductory APR period, the Union Bank Platinum Visa credit card is a good choice. Be careful though if you’re tempted to let your balance ride past the introductory period as the variable APR is...
- Brian Martucci, Money CrashersA solid balance transfer vehicle for new cardholders who expect to be able to pay off their transferred balances within 12 months of opening their accounts. It’s also a useful mechanism for financing large purchases on an interest-free basis.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
12.74% ‐ 24.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
12.74% ‐ 24.24% (Variable) (0% for the first 15 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 | $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 | No |
| Rewards | |
| 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 | 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 | $0 |
| 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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