Pay no balance transfer fees for 60 days when opening a Union Bank Platinum Visa credit card. Plus pay no interest for 15 months on the amount transferred.

After the promotional period ends, if cardholders haven’t paid off the balance in full, they will be billed interest on remaining amounts at APRs anywhere from 8.49% to 19.99% depending on creditworthiness.

Generally carrying a credit card balance is a terrible long-term practice. However under some circumstances it makes sense, such snaring a great deal at half-price (50% off) and paying the purchase off over time. 50% – 8.49% saves the buyer 31.51% when spread over a year. Just be sure to pay off any balances as soon as possible.

BENEFITS AND FEATURES

Union Bank credit cards have a generous slate of features and benefits to make shopping easy and safe. One of them minimizes “buyer’s remorse.” Credit cards have a try before you buy feature built into the system. Other perks include:

• Secure mobile access to account
• Swipe smart for enhanced security
• Custom account alerts for real-time monitoring
• Zero fraud liability for unauthorized charges
• Go green digital services so you never lose a bill or important documents
• Monthly statements to keep track of expenses
• Visa Concierge services such as dining reservations, gift arrangements, etc., although some fees may apply
• Emergency card replacement available 24/7/365
• Purchase security up to $500 for stolen or damaged items

UNION BANK CARDS WITH REWARDS

For those who expect credit cards to come with rewards, Union Bank has three varieties to suit your needs. The Bank Freely Rewards credit card works best with a flat rate for everyday bills such as utilities, clothes, food, entertainment. The Preferred Rewards credit card has bonus categories for dining, gas, and groceries. The Travel Rewards credit card program favors frequent travelers and people on the move.

UNION BANK BANK FREELY REWARDS

• 1.5% unlimited cash back rewards
• $100 introductory rewards bonus after $1,000 in purchases within 3 months of opening
• Introductory 0% APR financing on purchases and balance transfers for first 12 months
• Regular APR of 13.99% to 23.99% once promotional period ends
• 3% Balance transfer fee

UNION BANK PREFERRED REWARDS VISA CREDIT CARD

• 10,000 introductory rewards bonus after $1,000 in purchases within 3 months of opening
• 5% Rewards on digital wallet purchases ($6,000 max) good for first year only
• 3% Rewards at restaurants ($6,000 max/year and 1% thereafter)
• 2% Rewards on gas and grocery ($6,000 max/year and 1% thereafter)
• 1% Rewards on all other eligible purchases
• Introductory 0% APR financing on purchases and balance transfers for first 12 months
• Regular APR of 13.99% to 23.99% once promotional period ends
• 3% Balance transfer fee

UNION BANK TRAVEL REWARDS VISA CREDIT CARD

• 20,000 Introductory rewards bonus after $1,500 in purchases within 3 months of opening
• 3% Rewards on travel ($6,000 max/year and 1% thereafter)
• 2% Rewards on restaurants ($6,000 max/year and 1% thereafter)
• 1% Rewards on all other eligible purchases
• Introductory 0% APR financing on purchases and balance transfers for first 12 months
• Regular APR of 13.99% to 23.99% once promotional period ends
• 3% Balance transfer fee
• $0 Annual fee for first and $49/year after

ABOUT UNION BANK

While little known in the United States, Union Bank is the brand name for MUFG Bank which is the 5th largest bank by assets in the world by one account. As of 12/31/2019 Union Bank handles more financial assets than JP Morgan Chase, Citibank or Bank of America on a global level.