Union Bank® Platinum™ Visa® Credit Card

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.

Union Bank Platinum Visa

Our Rating

4.8/5.0

Welcome Offer

Annual Fee

$0

0% on Purchases

15

Reward Rate

None

0% on Balance Transfers

15

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

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars.
Regular APR12.74% to 24.24% (V) APR
Balance Transfers0% 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.
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® 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 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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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

What Are the Best Alternatives?

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

Rating

3.5

Rewards Range

None

Annual Fee

$0

Citi<sup>®</sup> 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

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

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

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