$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
- No annual fee
- Introductory 0% APR
- Introductory $0 balance transfer fee
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
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 |
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 |
0% Intro APR
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 12.74% to 24.24%(V) APR after that. |
| 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
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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/30/2022 | Equifax | ||
| Approved | 06/07/2022 | Not Provided | ||
| Denied | 03/08/2019 | Equifax |
What Are the Best Alternatives?
U.S. Bank Visa® Platinum Card
Rating
4.8
Rewards Range
None
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
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%
Annual Fee
$0
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.