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You are here: Home / Credit Cards / Union Bank® Platinum™ Visa® Credit Card

Union Bank® Platinum™ Visa® Credit Card

September 7, 2022 by Gail Kellner

The Union Bank® Platinum™ Visa® Credit Card is for people with very good to excellent credit who want to either transfer higher interest cards or make a major purchase. It has an introductory 0% APR for 15 months on both purchases and balance transfers. Plus, there’s a $0 introductory balance transfer fee. However, there are no rewards and no welcome bonus with this card. We dive into the details and your approval odds in this Union Bank Platinum Visa review.

Union Bank® Platinum™ Visa® Credit Card
Learn More
Our Rating
4.8/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
None
0% on Balance Transfers
15 Months

$0 Introductory Balance Transfer Fee

This card offers a $0 introductory balance transfer fee for transfers completed within 60 days of account opening.  After that, there’s a 3% fee on each transfer (minimum $10).

Pros & Cons

Pros
  • No annual fee
  • Introductory 0% APR
  • Introductory $0 balance transfer fee
Cons
  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsApple Pay, Google Pay, Samsung Pay
BenefitsPurchase Protection, 24/7 customer service
Travel PerksNone

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars.
Regular APR12.74% to 24.24% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 15 months on balance transfers, then 12.74% to 24.24%(V) APR after that.
Purchases0% Intro APR for 15 months on purchases, then 12.74% to 24.24% (V) APR after that.

What Credit Score Is Required to Get the Union Bank Platinum Visa

Based on data we’ve collected from public forums, a credit score of 740 or higher is ideal. We have seen a denial with a score of 732, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/30/2022
797
Equifax
$10,000
Approved06/07/2022
772
Not Provided
$8,500
Denied03/08/2019
732
Equifax
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What Are the Best Alternatives?

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

Rating

4.8

Rewards Range

None

Annual Fee

$0

Read Review
Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review

FAQs

Can anyone apply for this card?

Given that the website says “Apply in branch” and there appears to be no way to apply online, you will need to be a resident of California, Washington, or Oregon to apply for this card.

Who is this card best for?

A credit card with a $0 introductory balance transfer fee is a rare find. While this card doesn’t have rewards or a welcome bonus, it’s a great card if you need to transfer and pay off credit card debt. But you want to be sure to take advantage of the $0 intro balance transfer fee by completing the transfer within 60 days of account opening. You should also pay off the debt before the 0% introductory APR expires.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering financial product comparisons. We are compensated when users click links to or apply for sponsored financial products including, but not limited to, credit cards or bank/brokerage accounts. Credit card reviews and listings express the opinions of the author alone, and not those of any credit card issuer. The content has not been reviewed, approved or otherwise endorsed by the credit card advertisers. This compensation may impact how or where links appear on this site. This site does not include all available financial companies or offers.

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