William Memphis, WalletHub Credit Card Advisor
The credit score you need for a Union Bank credit card ranges from 300 to 750+, depending on the card. That means Union Bank accepts people at the low end of the credit spectrum, but it also offers credit cards for those who have excellent credit.
If your credit score is below the threshold needed for a certain credit card from Union Bank, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Union Bank Credit Score Requirements by Card
- Union Bank Secured Credit Card: 300+ (Bad credit)
- Union Bank® Platinum™ Credit Card: 750+ (Excellent credit)
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Union Bank credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
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