Union Bank® Platinum™ Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and customer service info for The Union Bank® Platinum™ Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo rewardsNo initial rewards bonusForeign feeRequires excellent credit
We're sorry, but the Union Bank® Platinum™ Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-238-4486
You can review Union Bank® Platinum™ Credit Card's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 15 months, 12.24% - 23.74% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 12.24% - 23.74% (V) APR after that
Balance Transfer Fee:$0
WalletHub Review
Union Bank® Platinum™ Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
No rewards
No initial rewards bonus
Foreign fee
Requires excellent credit
Union Bank® Platinum™ Credit Card's Additional Info
Can't find what you are looking for? Submit your question about Union Bank® Platinum™ Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Unfortunately, there is no way to tell the starting credit limit for the Union Bank® Platinum™ Credit Card. Union Bank does not disclose any specific credit limit information in the card's terms.
For the most part, Union Bank® Platinum™ Credit Cardcredit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Keep in mind that you can ask to get a credit limit increase by calling the Union Bank customer service number you see on the back of your card, but it's best not to do that more than once a year. Union Bank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Union Bank.
Yes, you can transfer a personal loan balance to a Union Bank® Platinum™ Credit Card, as long as the personal loan account does not belong to Union Bank. Just keep in mind that the card is no longer available to new applicants. So, only existing cardholders can request a balance transfer.
Yes, the Union Bank® Platinum™ Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk...
The Union Bank® Platinum™ Credit Card APR is 12.24% - 23.74% (V), with the actual rate depending on factors such as your income, credit history and existing debt. The Union Bank® Platinum™ Credit Card also offers new cardholders an introductory interest rate of 0% for 15 months on purchases and 0% for 15 months...
A Union Bank® Platinum™ Credit Card cash advance costs 5% (min $15) of the withdrawn amount. This cash advance fee is applied every time you use your credit card to get a cash advance. Also, you might have to pay $2-$5 in ATM fees. If the ATM is not operated by a bank, you could...
The Union Bank® Platinum™ Credit Card foreign transaction fee is 3%. This means Union Bank will add a 3% surcharge anytime you use the Union Bank® Platinum™ Credit Card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
Share your insights and review the Union Bank® Platinum™ Credit Card
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124 reviews
124 reviews
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scott_51188 @scott_51188
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1 Star Rating
Union bank could not be worse! They are Sadistic, they take great joy in your misery. They are pleasured by your sorrow! To give them the satisfaction is sick. I can't stand banks like them. Plus, no free checks!?
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thirdorb @thirdorb
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1 Star Rating
This card and company are stuck in the 90's and not worth it. They have no app for ease of access to your account. When applying, I got no indication whether on not I was approved. After about 3 weeks, I just got a letter and welcome packet with the card.
They only send a check for balance transfers. This means if you need to pay something off in less that 3 weeks, you're at the mercy of the post office. They have no way to set a custom amount to pay monthly (especially important if doing a balance transfer.)
If you want to set up auto-pay for a balance transfer, your options are to pay the full amount, or the minimum monthly amount, which is $0 since there is a promotional no interest period. This means the only way to pay a custom amount is to call or go to the website every month to pay on the card.
Customer service is snippy and seem irritated to answer questions. Save yourself the headache and just find a balance transfer card that charges 1%
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ashleehorne @ashleehorne
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5 Star Rating
This was a very quick and easy process. I filled out a short one page application and was approved within seconds. I was also able to submit my balance transfer immediately. If I actually get the card within 7-10 business days as stated and the balance transfer happens then this is the best credit card experience I have had.
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Stef Tak @stefanisazn
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3 Star Rating
The card is useful in that it provides a 0% intro balance transfer fee for the first 60 days. BUT there are a lot of quality-of-life things that I think need to be improved upon with the card though. If you're looking to transfer balances quickly then this card will not be for you.
Application - If you don't get an instant acceptance it took me 10 business days to hear back about the application then another 3 days to receive the card. During the 10 business days, they didn't provide any update such as, "we received your app", calling into their support line yields no information as well as they'll just tell you that no account exists for you yet. After the 10 days, I received an email saying welcome but until then I had no idea what was going on with the application, much less if they even actually received it either.
Once you receive your card you'll activate it on their website. Their credit card website is... bare, to say the least, and it almost feels like it was made by a novice developer in the 2000's and it was never updated after that.
To actually make a balance transfer, you can't do it through the website either. You need to CALL in then provide the Institution name, Account number, Check mail to address, and amount. Then what they'll do is they'll mail in the check to the institution on your behalf. The rep said this will take approximately 2-3 weeks so if you're looking for a quick turnaround then you may be better off going for a card like the Slate or Citi Simplicity as those can all be done online and completed in maybe over a week.
Overall, if you have a high balance you need to transfer to pay off easier then this card does have its benefits, but if you're looking for a quick transfer then this will not be the card for you. A lot of the process is manual and a bit archaic along with a barebone website for maintaining the card.
3 stars because while it does what it needs to and provides a good perk, the overall steps needed to access and utilize the balance transfer perk is a time-consuming and manual process requiring you to call into their support and waiting for them to mail the check to the institution.
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