Union Bank® Platinum™ Visa® Credit Card
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Editor’s Note: Union Bank joined U.S. Bank. This credit card is no longer available.
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.
Our Rating
4.8/5.0
Welcome Offer
Annual Fee
$0
0% Intro on Purchases
15
Reward Rate
None
0% Intro on Balance Transfers
15
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Purchase Protection, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars. |
| Regular APR | 12.74% to 24.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 12.74% to 24.24%(V) APR after that. |
| Balance Transfer Fee | $0 Introductory fee for balance transfers completed within 60 days of account opening. After that, either $10 or 3% of the amount of each balance transfer, whichever is greater. |
| Purchases | 0% 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® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 772
Average Approved Credit Score: 785
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/30/2022 | Equifax | ||
| Approved | 06/07/2022 | Not Provided | ||
| Denied | 03/08/2019 | Equifax |
Pros & Cons
- No annual fee
- Introductory 0% APR
- Introductory $0 balance transfer fee
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
U.S. Bank Visa® Platinum Card
Rating
3.5
Rewards Range
No rewards
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3% cash back
Annual Fee
$0