$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. |
| 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
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 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
3.5
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.