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Union Bank Business Visa® Credit Card

Union Bank Business Visa® Credit Card

0% Intro APR on Purchases and Balance Transfers

Union Bank Business Visa® Credit Card
  • Regular Purchase APR 11.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.75% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • 0% introductory APR for 6 months from account opening date on purchases and balance transfers
  • Low regular APR after introductory APR offer ends
  • No annual fee
  • Chip security and 24/7 online account access
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 11.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 11.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.75% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $35
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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At a Glance

A low-APR option for business owners, the Union Bank Business Visa® Credit Card offers the basics when it comes to funding a company on a day-to-day basis.

Ideal for Those Who:

  • Own or operate a business
  • Already bank with Union Bank
  • Are looking for a business credit card with a low interest rate to help you cover regular and extraordinary expenses
  • Have a large purchase planned that you’ll need to pay off over time
  • Are thinking about transferring existing balances to save money on interest charges

Union Bank Business Visa® Credit Card Review

The Union Bank Business Visa® Credit Card is a no-frills business credit card. Its spotlight feature is an introductory 0% APR for six months on purchases and balance transfers. If you’re currently working to erase balances on other accounts, you could save a significant amount in interest charges by migrating those debts to this card. Even if you’re not able to completely pay off your transferred balance by the end of the promotional rate period, you’ll likely still come out winning with the Union Bank Business Visa® Credit Card’s regular purchase APR, which is lower than much of the competition’s.

Beyond its signup offer, the Union Bank Business Visa® Credit Card won’t offer you much in the way of perks. You do have access to useful tools like being able to set spending limits and alerts, as well as automatic payments and downloadable transaction history that can be integrated with your company’s accounting software.

As this is a simple credit card without many additional benefits, there is no annual fee to keep an account open. You will be charged other penalties when applicable, however, like late payments fees and foreign transaction fees. In addition, the promotional 0% APR grace period may be voided if you’re not careful. Missing due dates and going above your spending limits run you the risk of not only losing the 0% APR offer, but also being hit with a penalty APR.

If a low interest rate – and an even lower initial rate – is what you’re looking for in a business credit card, the Union Bank Business Visa® Credit Card will get the job done. If you’re looking for a card with more incentives, however, you’ll have to consider other options.