Union Bank Credit Cards and Reviews

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Union Bank Secured Visa® Credit Card

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Regular Purchase APR 19.74% variable based on the Prime Rate
Balance Transfer APR 19.74% variable based on the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee $25
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Poor , No Credit Required
Processing Network Visa

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Date Reviewed: June 30, 2022

Best Benefits

Get started on setting up or repairing your credit history with this card
Free access to your FICO® Score
Chip security included
Receive supplemental coverage for damage and theft for your phone when you pay your mobile bill with the Union Bank Secured Visa® Credit Card

Rates & Fees

Regular Purchase APR: 19.74% variable based on the Prime Rate
Balance Transfer APR: 19.74% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $25
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: Disclosed after account opening

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Union Bank Platinum™ Visa® Credit Card

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Regular Purchase APR 9.24% to 20.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.24% to 20.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Good , Fair
Intro Purchase APR 0% for 15 months from account opening date
Processing Network Visa

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Date Reviewed: June 30, 2022

Best Benefits

0% introductory APR on purchases and balance transfers for 15 months after opening an account
Low regular APR after promotional rate ends
No annual fee
Access your FICO® Score at no extra cost

Rates & Fees

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 9.24% to 20.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 15 months from account opening date
Balance Transfer APR: 9.24% to 20.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: $0 Introductory fee for transfers completed within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35

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Union Bank Travel Rewards Visa® Credit Card

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Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee $0 for the first year. After that, $49
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Excellent , Good
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

Best Benefits

Earn 3 points per $1 spent, up to $6,000 annually, on travel net purchases
Earn 2 points per $1 spent, up to $6,000 annually, on restaurant net purchases
Earn 1 point per $1 spent on all other purchases
Get a 50% reward bonus when you redeem points as a principal reduction payment to a Union Bank mortgage
Get a 25% reward bonus when you redeem points as a deposit to a Union Bank checking, savings, or money market account
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $0 for the first year. After that, $49
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35

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Union Bank Preferred Rewards Visa® Credit Card

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Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

Best Benefits

Earn 5 points per $1 spent, up to $6,000 annually, on mobile wallet net purchases
Earn 3 points per $1 spent, up to $6,000 annually, on restaurant net purchases
Earn 2 points per $1 spent, up to $6,000 annually, on gas and grocery store net purchases
Earn 1 point per $1 spent on all other purchases
Get a 25% reward bonus when you redeem points as a deposit to a Union Bank checking, savings, or money market account
Get a 50% reward bonus when you redeem points as a principal reduction payment to a Union Bank mortgage

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35

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Union Bank Business Secured Visa® Credit Card

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Regular Purchase APR 14.74% variable based on the Prime Rate
Balance Transfer APR 14.74% variable based on the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee $30
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Fair , Poor
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

Best Benefits

Establish your personal and business credit history with responsible use
Chip security included
24/7 online account access
Easily set spending limits and establish alerts

Rates & Fees

Regular Purchase APR: 14.74% variable based on the Prime Rate
Balance Transfer APR: 14.74% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $30
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $35
Over Limit Penalty Fee: $35
Minimum Deposit Required: Disclosed after account opening

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Union Bank Business Platinum™ Visa® Credit Card

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Regular Purchase APR 10.74% to 18.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.74% to 18.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

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: 10.74% to 18.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 10.74% to 18.74% 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% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $35
Over Limit Penalty Fee: $35

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Union Bank Business Preferred™ Rewards Visa® Credit Card

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Regular Purchase APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

Best Benefits

Earn 5 points per $1 spent, up to $25,000 annually, on business expense net purchases
Earn 2 points per $1 spent, up to $25,000 annually, on gas station and restaurant net purchases
Earn 1 point per $1 spent on all other purchases
0% introductory APR on purchases for 6 months after opening an account
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 12.74% to 21.74% 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% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $35
Over Limit Penalty Fee: $35

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Union Bank Bank Freely™ Rewards Visa® Credit Card

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Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26% variable based on the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: June 30, 2022

Best Benefits

Earn 1.5% unlimited cash back for every $1 spent
25% reward bonus when you redeem into your Union Bank checking or savings account
50% reward bonus when you redeem as a principal reduction payment to your Union Bank mortgage
0% introductory APR on purchases and balance transfers for 12 months from account opening date
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35

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About Union Bank

Union Bank is a large regional bank that operates in the American West and Northwest. Officially MUFG Union Bank after parent company Mitsubishi UFJ Financial Group of Japan, Union Bank operates in California, Washington, and Oregon.

Union Bank began as the Bank of California in 1864 and operated under that name for more than a century. In 1996 the bank altered its name to Union Bank of California. In 2008 the bank adopted its current name, Union Bank (sometimes stylized UnionBank).

The bank is one of the largest regional banks in the United States, with more than $150 billion in total assets. The bank operates approximately 400 branches in the three states in which it has a presence.

Union Bank Branch Locations

UnionBank operates close to 400 branches throughout California, Oregon, and Washington State. These branches include locations throughout California, including San Diego, Orange, Los Angeles, Ventura, Marin, Santa Barbara, San Benito County, and more.

In Oregon, the bank has branches in Salem and Portland, with two locations in the later.

UnionBank also has many branches in Washington, most notably in the Seattle area. Other offices in the area include Tacoma, Bothell, Everett, Monroe, Redmond, and Bellevue.

For a complete list of Union Bank branch locations, including additional ATM locations, hours, and directions, please check out the bank’s locations page.

Union Bank Credit Cards

Union Bank offers a wide range of credit cards for personal and business use. The bank’s credit cards are all Visa products, meaning they enjoy a selection of important security features and benefits. Just some of the features applicants can anticipate from Union Bank credit cards include:

Roadside Dispatch: Visa Roadside Dispatch is a pay-per-use towing and roadside assistance program. This program gives travelers peace of mind should they break down, anywhere, 24/7.
Auto Rental Collision Damage Waiver: Receive coverage when you use your Visa to pay for the entire cost of car rental. This protection covers damage due to collision or theft.
Cardholder Inquiry Service: 24/7 access to Visa customer service representatives who can provide detailed information for members in all major languages.
Lost or Stolen Card Reporting: Visa will help you block your lost or stolen card and connect you with your bank.
Emergency Card Replacement: Once connected with your bank, Visa will work with them to get you an emergency replacement card within one to three days. Conditions apply.
Emergency Cash Disbursement: Visa can also work with your bank to help get your emergency cash until your new card arrives.
Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.

Visa business credit cards also come with additional features, like payment management by combining statements, additional employee cards, and business monitoring tools.

Union Bank is one of the few banks to offer a secured credit card for businesses. The Union Bank Business Secured Visa® Credit Card lets companies build credit with every business purchase – something rarely seen in a business credit card.

FAQs About Union Bank

Here are answers to common questions about Union bank, their services, and their credit cards:

Does Union Bank have Zelle?

Like other banks, UnionBank customers can access Zelle by logging on to their mobile banking and selecting the Send/Receive Money tab.

What is the routing number for Union Bank?

Union Bank’s routing number is different depending on the state you bank in:
- California: 122000496
- Oregon: 123000068
- Washington: 125000118

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

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