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Union Bank Rewards
Visa® Credit Card
Union Bank Travel Rewards
Visa® Credit Card
Union Bank 
Visa® Credit Card
Union Bank Secured
Visa® Credit Card
Choice of Credit Cards



This Is the Credit Card for You if You Want... Rewards Travel Rewards Low Interest Rate To Build Credit
Rewards
  • Earn 10,000 bonus points with $1,000 in net purchases in first 3 months after account opening.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • Earn 5 points for every $1 spent up to $6,000 the first year after account opening on mobile wallet purchases, 1 point for every $1 spent thereafter. ###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • Earn 3 points for every $1 spent up to $6,000 annually on restaurant purchases, 1 point for every $1 spent thereafter.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • Earn 2 points for every $1 spent up to $6,000 annually on gas and grocery store purchases, 1 point for every $1 spent thereafter.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • Earn 1 point for every $1 spent on all other purchases.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • 25% reward bonus when you redeem rewards points in the form of a deposit to your Union Bank checking, savings, or money market account.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • 50% reward bonus when you redeem rewards points as a principal reduction payment to your Union Bank mortgage.###DISCLAIMER:2_0 UB Credit Card - See Rewards and Terms###
  • Earn 20,000 bonus points with $1,500 in net purchases in first 3 months after account opening.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
  • Earn 3 points for every $1 spent up to $6,000 annually on travel purchases, 1 point for every $1 spent thereafter.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
  • Earn 2 points for every $1 spent up to $6,000 annually on restaurant purchases, 1 point for every $1 spent thereafter.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
  • Earn 1 point for every $1 spent on all other purchases.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
  • 25% reward bonus when you redeem rewards points in the form of a deposit to your Union Bank checking, savings, or money market account.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
  • 50% reward bonus when you redeem rewards points as a principal reduction payment to your Union Bank mortgage.###DISCLAIMER:2_0 UB Credit Card - Travel Rewards and Terms###
N/A N/A
APR for Purchases

0% Intro APR

on purchases for the first 12 months after account opening

Following the Intro period, your APR will be 15.49% to 25.49% APR, based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms

15.49% to 25.49% APR, based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
0% Intro APR
on purchases for the first 15 months after account opening

Following the Intro period, your APR will be 9.99% to 21.49% APR based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
20.49% variable APR

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
APR for Balance Transfers 0% Intro APR
on balance transfers for the first 12 months after account opening###DISCLAIMER:2_0 UB Credit Card - Additional info compare###

Following the Intro period, your APR will be 15.49% to 25.49% APR based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
0% Intro APR
on balance transfers for the first 12 months after account opening###DISCLAIMER:2_0 UB Credit Card - Additional info compare###

Following the Intro period, your APR will be 15.49% to 25.49% APR based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
0% Intro APR
on balance transfers for the first 15 months after account opening###DISCLAIMER:2_0 UB Credit Card - Additional info compare###

Following the Intro period, your APR will be 9.99% to 21.49% APR based on your creditworthiness

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
20.49% variable APR ###DISCLAIMER:2_0 UB Credit Card - Additional info compare###

APR will vary with the market based on the Prime Rate
Summary of Credit Terms
Balance Transfer Fee Either $10 or 3% of the amount of each transfer, whichever is greater
Summary of Credit Terms
Either $10 or 3% of the amount of each transfer, whichever is greater
Summary of Credit Terms
$0 intro balance transfer fee for transfers completed within 60 days of account opening.

Following the intro period, either $10 or 3% of the amount of each transfer, whichever is greater.
Summary of Credit Terms
Either $10 or 5% of the amount of each transfer, whichever is greater
Summary of Credit Terms
Annual Fee None
Summary of Credit Terms
$0 intro Annual Fee for the first year. After that, $49
Summary of Credit Terms
None
Summary of Credit Terms
$25
Summary of Credit Terms
Online Account Access Yes Yes Yes Yes
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Important Information
In order to keep these great rates, you must make all payments when due, stay within your credit limit, and not have any payments dishonored for any reason. If any of these things happen, the Penalty APR of up to 29.99% may be applied to all balances, including balance transfers. The Penalty APR may apply indefinitely. The cardholder agreement gives us the right to change account terms for any reason, subject to applicable law, including if your credit profile changes. We may apply your payments in the order we choose from time to time. We must, however, comply with applicable law governing application of your payments. Currently, this means that if you make a payment in excess of the required minimum payment, we must apply the excess amount first to your Balance Category with the highest Annual Percentage Rate. Any remaining portion of that excess amount must be applied to your other Balance Categories in descending order based on their applicable Annual Percentage Rates.