Union Plus Card
Union Plus Card
Union Plus Card
Card details
Rates, fees & offers
Annual fee
$0 to $39
Rewards rate
0.00%
Bonus offer
None
Intro APR
Purchase: 0% for 12 mos
Transfer: 0% for 12 mos
Ongoing APR
Min APR: 13.65%, Variable
Max APR: 21.65%, Variable
Penalty APR: 25.74%, Variable
Cash Advance APR: 24.74%, Variable
Balance transfer fee
3%
Foreign transaction fee
None
Recommended credit score
Compare to other cards
 Union Plus Card | ||
|---|---|---|
Annual fee$0 to $39 | Annual fee$0 | Annual fee$0 |
Regular APR13.65% - 21.65% Variable | Regular APR20.49%-29.24% Variable APR | |
Intro APRPurchase: 0% for 12 mos | Intro APR0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | Intro APR0% intro APR on purchases and Balance Transfers for 15 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By NerdWallet
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Rating details
3.5
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period on Purchases and Balance Transfers
No foreign transaction fee
Cons
No rewards
This card is geared toward union members, and offers discounts and benefits meant for union members, so we have to assume that this card is so popular only because of aggressive union-centric marketing. But the bottom line is, if you qualify to get this card, then there is a better card elsewhere that you also qualify for.
Here's our beef:
Rewards should be your main priority if you are able to pay off your credit card bill each month. You can easily find a great credit card for rewards, which should net you something like 2% or more in reward rebates. The Union Plus doesn't pay rewards.
The biggest incentive advertised by the Union Plus is access to "exclusive discounts", but they're hardly exclusive. Most issuers offer similar, if not better, discounts and coupons through their own online malls.
If you carry a balance month-to-month, you can find a low interest card for your own level of credit.
No matter what, a card with no annual fee is pretty easy to come by, instead of paying this card's annoying $0-$39 sliding scale annual fee.
