2013 Union Bank American Express Card Review

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zerotek
 
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2013 Union Bank American Express Card Review

Postby zerotek » Tue May 07, 2013 4:52 pm

Compared to the Amex Blue Cash and Gold, in your guys opinion are these credit cards better or worse for rewards.

UNION BANK AMERICAN EXPRESS® CARD
2% cash back on grocery and gas purchases which qualify
1% cash back on all other purchases which qualify
13.99% to 19.99% APR, based on your creditworthiness
No Annual Fee

UNION BANK GRAPHITE AMERICAN EXPRESS® CARD
3% cash back on airline purchases which qualify
2% cash back on grocery and gas purchases which qualify
1% cash back on all other qualifying purchases
13.99% to 19.99% APR, based on your creditworthiness
$0 Intro Annual Fee for the first year, $99 thereafter


I already have a checking and savings account with Union Bank.

*Only interested in an American Express because of how they handle purchase protection and extended warranty benefits. Not interested in a Visa or Mastercard right now.


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djrez4
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Postby djrez4 » Tue May 07, 2013 4:56 pm

zerotek wrote:*Only interested in an American Express because of how they handle purchase protection and extended warranty benefits. Not interested in a Visa or Mastercard right now.


Well, then you will be disappointed. Those protections only extend to Amex-issued American Express cards.

The cards you mention are Amex cards only in that they are processed through Amex's network. Any benefits that come with them are Union Bank's responsibility. It looks like they're actually issued by FNBO, but I can't find a benefits list anywhere.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

zerotek
 
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Postby zerotek » Tue May 07, 2013 5:04 pm

Are you saying a Union Bank American Express card doesn't have the same benefits as a card I get directly from American Express. I did not know that.

agp
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Postby agp » Tue May 07, 2013 5:20 pm

zerotek wrote:in your guys opinion are these credit cards better or worse for rewards.


These rewards are pretty bad... Especially for the one with annual fee.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Postby CCG » Tue May 07, 2013 6:17 pm

Agree with AGP and yes I advertise American Express but that's not why I'm saying that. Do the math for yourself of how the no annual fee Blue Cash Everyday compares with the Union Bank version. You are going to get better rewards by going with Blue Cash.
[blue cash].[/blue cash]

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Z06Biker
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Postby Z06Biker » Tue May 07, 2013 6:26 pm

zerotek wrote:Are you saying a Union Bank American Express card doesn't have the same benefits as a card I get directly from American Express.


Unfortunately, that's exactly what he's saying. You're much, much better off applying for a card directly with Amex.

You already have a checking and savings account with Union Bank; there's no need to stick with them simply for the sake of strengthening the relationship.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

rockyrock
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Postby rockyrock » Wed May 08, 2013 1:22 am

This is a minor digression but has anyone encountered a bank or CU issued Amex network card that is superior to one issued directly by Amex?

I would imagine your bank/CU is more likely to approve your application or offer some regional perks.

For me the product is the sell not the network.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

Sevenfeet
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Postby Sevenfeet » Wed May 08, 2013 9:39 am

rockyrock wrote:This is a minor digression but has anyone encountered a bank or CU issued Amex network card that is superior to one issued directly by Amex?

I would imagine your bank/CU is more likely to approve your application or offer some regional perks.

For me the product is the sell not the network.


The only one I've seen like that is the Fidelity American Express card, which is a 2% card for all purchases. Since I use all my other cards for categorized spending (gas, groceries, etc), the Fidelity Amex has become the catch-all card for nearly everything else, which turns out is HALF my monthly spending.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

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FastSRT8
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Postby FastSRT8 » Sat May 11, 2013 12:27 pm

This seems like a typical marketing ploy using association to make consumers think you are getting the real deal when in fact you are not.
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Postby Reclusive46 » Sat May 11, 2013 3:25 pm

Sevenfeet wrote:The only one I've seen like that is the Fidelity American Express card, which is a 2% card for all purchases. Since I use all my other cards for categorized spending (gas, groceries, etc), the Fidelity Amex has become the catch-all card for nearly everything else, which turns out is HALF my monthly spending.


How the hell does Amex manage to pull off 2% on all purchases?

I know some merchants here in the UK only pay 1.25% to process Amex.
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)



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