Last updated on March 1st, 2023
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At a Glance
With an unlimited 1.5% cash back earning rate and a modest signup bonus, the Bank Freely™ Rewards Visa from Union Bank competes with similar products from larger issuers.
Ideal for Those Who:
- Are a Union Bank customer with a banking account or a mortgage
- Are looking for a cash back rewards program that goes beyond the 1% earning rate
- Want to transfer existing debt and pay it off with no interest charges
- Are looking to make a substantial purchase that you can pay down over time without interest charges
- Want a credit card with no annual fee
Union Bank Bank Freely™ Rewards Visa® Credit Card Review
The Bank Freely™ Rewards Visa credit card puts itself ahead of the cash back par by giving you 1.5% per $1 in return on any purchase. Since there are no restrictions or rotating categories, you’re free to earn more than the value of what you’re paying wherever you like.
In addition, the card offers a welcome bonus of $100 if you spend at least $1,000 within three months of opening an account. Plus, your cash back gets a boost if you already do additional banking with Union Bank. When you redeem your rewards in the form of a deposit to a checking or savings account, you’ll get a 25% bonus, and if you have a Union Bank mortgage, you’ll get a 50% bonus when you redeem towards a payment to reduce your loan’s principal.
The Union Bank Bank Freely Rewards Visa® Credit Card is also worth considering for those who are eyeing a substantial purchase in the near future, as well as individuals who want to consolidate existing credit card debt. Upon becoming a cardmember, you’re entitled to a 0% APR period of 12 months on purchases and balance transfers. Note that you must make on-time payments and stay within your credit limit in order to keep this rate.
Other notable perks that come with the Bank Freely™ Rewards Visa are complimentary access to your FICO® Score and digital wallet compatibility. With the former, you can track changes in your score as you use your card, while the latter can save you time when making purchases both online and in-store.
Should You Apply for the Union Bank Bank Freely™ Rewards Visa® Credit Card?
With its cash back program and the intro 0% APR offer, the Bank Freely™ Rewards Visa can hold its own against similar cards, especially since it carries no annual fee.
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