How to Apply for the Union Bank Rewards Visa Card

The Union Bank Rewards Visa Card is a perfectly suitable credit option for anyone looking for a card that will allow them to earn rewards points each time they make a new purchase. With the rewards program, you can earn these points in a couple of different ways; 2 points will be rewarded per $1 spent on groceries while 1 point will be earned on all other purchases. Save up enough points and they can be redeemed for statement credit, gift cards, travel experiences, or your choice of merchandise. If you have a mortgage with Union Bank, you will receive a 50% bonus on all of your points when they are redeemed as a principal reduction payment. The interest rates are fairly standard and you can expect your APR for purchases to be somewhere between 14.24% and 24.24% (APR is subject to change). There is no annual fee, but like most cards of this nature, the lack of an annual fee acts as a way to entice prospective cardholders and, if you shop around, you’ll find that there are many other cards on the market that can beat the Union Bank Rewards Visa Card in most categories. For this reason, this card has not earned our automatic recommendation. However, if you are interested in saving points, especially if you have a mortgage with Union Bank, this card might be the right choice for you. Scroll down to learn how you can apply today.

Before proceeding, take a moment to review Union Bank’s privacy policy to get a full understanding of how your personal information will be used.


In order to be eligible for this card, the following requirements must be met:

  • You are at least 18 years of age
  • You have a valid SSN
  • You reside in the United States

How to Apply

Step 1- Start by navigating to Union Bank’s card application webpage. Once there, locate the Get Started Now menu on the right side of your screen. Click on the Apply Now link to proceed.


Step 2- Use the drop-down menu at the top of this page to select the type of credit card you are applying for. In this instance, we will be selecting the Union Bank Rewards Visa Card.


Step 3- Under the Applicant Information heading, the following information must be supplied:

  • First name
  • Last name
  • SSN
  • Primary phone number
  • Email address
  • Mother’s maiden name
  • Date of birth


Step 4- Continue by supplying your Address Line 1 (street address), CityState, and Zip Code. If your mailing address is different than your permanent residence, check the small box to indicate this and enter-in your full mailing address.



Step 5- Regarding your Employment and Financial Information, specify your Employment Status and supply your Employer NameYears at Employer, and check the small box just below those fields if you are a principal shareholder, director, or officer of a bank or other financial institution. Next, supply your Housing Status, Monthly Housing Payment, and your Total Annual Income.


Step 6- Here, you may add an authorized user to this credit card and/or perform a balance transfer to consolidate your previous card balances into one bill. If you have your Union Bank info, enter that information into the bottom two fields. When you are ready to proceed, click Continue.


Step 7- A link to the terms and conditions associated with this credit card can be found at the bottom of your page. We recommend reading these terms over carefully to get a full understanding of what it is you are applying for. Alternatively, you can click here to review the terms and conditions. Check the small box to indicate your compliance to Union Bank’s terms and click Submit Application to send your card request in to Union Bank for review. You should receive confirmation shortly via email regarding the status of your application.

UBC-Apply-9That’s all there is to it! Thank you for choosing Card Reviews as your credit card specialist. We wish you the best of luck with your new card and in all of your future banking ventures.