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Union Bank Credit Cards

Operating mainly in California, Washington and Oregon, Union Bank offers both personal and business credit cards. This issuer’s card products feature rewards programs, secured lines of credit, and low-rate options for distinct customer needs. Browse credit cards below.

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Showing 8 Cards

Date Reviewed: May 10, 2019

Union Bank Secured Visa® Credit Card

Union Bank Secured Visa® Credit Card
  • Regular Purchase APR 18.99% variable based on the Prime Rate
  • Balance Transfer APR 18.99% variable based on the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee $25
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
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: 18.99% variable based on the Prime Rate
  • Balance Transfer APR: 18.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Platinum™ Visa® Credit Card

Union Bank Platinum™ Visa® Credit Card
  • Regular Purchase APR 8.49% to 19.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.49% to 19.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Visa
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: 8.49% to 19.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 8.49% to 19.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Travel Rewards Visa® Credit Card

Union Bank Travel Rewards Visa® Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $49
  • Credit Needed Excellent , Good
  • Processing Network Visa
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: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 13.99% to 23.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Preferred Rewards Visa® Credit Card

Union Bank Preferred Rewards Visa® Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
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: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 13.99% to 23.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Business Secured Visa® Credit Card

Union Bank Business Secured Visa® Credit Card
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Balance Transfer APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee $30
  • Credit Needed Fair , Poor
  • Processing Network Visa
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: 13.99% variable based on the Prime Rate
  • Balance Transfer APR: 13.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Business Platinum™ Visa® Credit Card

Union Bank Business Platinum™ Visa® Credit Card
  • Regular Purchase APR 9.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% 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: 9.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 9.99% to 17.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Business Preferred™ Rewards Visa® Credit Card

Union Bank Business Preferred™ Rewards Visa® Credit Card
  • Regular Purchase APR 11.99% to 20.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99% to 20.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% 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
  • 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: 11.99% to 20.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.99% to 20.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

Date Reviewed: May 10, 2019

Union Bank Bank Freely™ Rewards Visa® Credit Card

Union Bank Bank Freely™ Rewards Visa® Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
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: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 13.99% to 23.99% 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: 25.25% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • 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
  • View All Deals -

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