| Rewards | Varies by card option. |
|---|---|
| Signup Bonus | No standard current signup bonus listed for the overall Union Plus Credit Card program. |
| Annual Fee | None. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.49% variable |
| Cash Advance Fee | $3 or 3% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $38. |
| Purchases APR | 0% introductory APR for 9–15 months, depending on the offer; thereafter 14.40%–26.74% variable APR, depending on the account and creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Union Plus Credit Card program is designed specifically for eligible union members and their families, with three card options, no annual fee, and benefits such as hardship assistance. The Cash Rewards version earns 1.5% cash back, while other versions focus on introductory APRs or credit building.
Most users say they appreciate the union-specific benefits, no annual fee, and the possibility of receiving assistance during qualifying financial hardships. Union Plus reports that 92% of surveyed cardholders would recommend the program, although that survey was conducted by Union Plus itself.
On the downside, many reviewers mentioned limited rewards compared with competing cash-back cards, no signup bonus, and concerns about customer service or payment processing. Some user reviews also complain about relatively high interest rates.
Personally, I think the card makes the most sense for eligible union members who value the specialized hardship benefits and union-related perks. If your priority is maximizing everyday cash back or earning a large welcome bonus, there are other cards with more extensive rewards structures.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
S
Reliable Card!
I've had this for over a year, and it's been a really positive experience. The card offers solid rewards and helpful benefits tailored to union members, like hardship assistance and competetive rates. Payments are also easy to manage online.
S
credit worthiness
My APR rate was raised; I called about my account. Apparently, my credit worthiness is worthless even though I've been a member since 2003, paid off my account several times, can count on 1 hand since 2003 times I've been late. The supervisor refused to return my APR rate back to my previous month's rate and just sited that interest rates have increased on all cards. Bunk!!!!! I find this card is worthless. I froze the account and intend to pay off asap.
