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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 20.49% variable based on the Prime Rate
  • Balance Transfer APR 20.49% variable based on the Prime Rate
  • Cash Advance APR 26.75% 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: 20.49% variable based on the Prime Rate
  • Balance Transfer APR: 20.49% 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: 26.75% 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: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: $25
  • Foreign Transaction Fee: 3% of each transaction 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

Date Reviewed: May 10, 2019

Union Bank Visa® Credit Card

Union Bank Visa® Credit Card
  • Regular Purchase APR 9.99% to 21.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.99% to 21.49% 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 , 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: 9.99% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 9.99% to 21.49% 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: 26.75% 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: Up to 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 $37
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: May 10, 2019

Union Bank Travel Rewards Visa® Credit Card

Union Bank Travel Rewards Visa® Credit Card
  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.75% 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: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 15.49% to 25.49% 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: 26.75% 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: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: $0 for the first year. After that, $49
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: May 10, 2019

Union Bank Rewards Visa® Credit Card

Union Bank Rewards Visa® Credit Card
  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 25.49% 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 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: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 15.49% to 25.49% 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: 26.75% 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: Up to 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 $37
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: May 10, 2019

Union Bank Business Secured Visa® Credit Card

Union Bank Business Secured Visa® Credit Card
  • Regular Purchase APR 15.49% variable based on the Prime Rate
  • Balance Transfer APR 15.49% variable based on the Prime Rate
  • Cash Advance APR 26.75% 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: 15.49% variable based on the Prime Rate
  • Balance Transfer APR: 15.49% 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: 26.75% 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: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: $30
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: $35
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $35
  • Minimum Deposit Required: Disclosed after account opening

Date Reviewed: May 10, 2019

Union Bank Business Visa® Credit Card

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

Date Reviewed: May 10, 2019

Union Bank Business Rewards Visa® Credit Card

Union Bank Business Rewards Visa® Credit Card
  • Regular Purchase APR 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.49% to 22.4% 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
  • 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: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.49% to 22.4% 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: Up to 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

Date Reviewed: May 10, 2019

Union Bank Cashback Rewards Visa® Credit Card

Union Bank Cashback Rewards Visa® Credit Card
  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 25.49 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 12 months from date of account opening
  • 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 date of account opening
  • Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from date of account opening
  • Balance Transfer APR: 15.49% to 25.49 and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.75% 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: Up to 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 $37
  • Return Payment Penalty Fee: Up to $35

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