Union Bank® Platinum™ Visa® Credit Card

*February 2023 Update: 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% on Purchases
15

Reward Rate
None

0% on Balance Transfers
15

Welcome Offer

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 a number of factors in their underwriting process, and these factors can change at any time.

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
  • 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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$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.
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

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.

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 a number of factors in their underwriting process, and these factors can change at any time.

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

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

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.