2013 Union Bank Visa Rewards credit card any good?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Doctor_Bob
 
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2013 Union Bank Visa Rewards credit card any good?

Postby Doctor_Bob » Wed May 08, 2013 12:11 pm

Hello everyone,

I stumbled upon this forum through Google fromthis post about the American Express cards that are issued by Union Bank. However what I am researching is their Visa card which I need because I travel quite a bit to Mexico and South America where they acceptance of other cards is limited. It would make my life simpler by going with Union Bank since I can login and see all my accounts with one username.

MAXIMUM REWARDS® VISA® CARD
- 1 Reward Point for every $1 in qualifying purchases
- Introductory 0% APR1 for 12 billing cycles
- 13.99% to 19.99% APR, based on your creditworthiness (APR will vary with the market based on the Prime Rate)
- $0 annual fee

Terms and conditions can be found here https://www.yourbankcard.com/dynapp/jsp/dynapp/form/da_terms_disclosures.jsp?popupversionofterms_=Y&sectionjump_=&Promotion_Code=81757

For someone like me who is only looking for no frills would the Union Bank Visa card be a good one. I always pay my balances off each month.


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djrez4
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Postby djrez4 » Wed May 08, 2013 12:25 pm

Foreign Transaction fee: 3% of each transaction in U.S. dollars.


Ouch! That's steep. If you intend to travel a lot, get a card without a foreign transaction fee. Capital One's cards never have those fees. Discover doesn't either. Is having a single login for your accounts worth $30 out of every $1000 spent?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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CCG
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Postby CCG » Thu May 09, 2013 6:25 pm

Union Bank is not strong in the credit card dept. But that's to be expected because they are a small regional bank (aside from CA, they're in WA, OR).

They actually don't even issue their own cards... they're issued thru First National Bank of Omaha but the Union Bank logo is slapped on them. When you call customer service, you're getting First National Bank of Omaha.

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Z06Biker
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Postby Z06Biker » Thu May 09, 2013 9:10 pm

CreditCardGuru wrote:They actually don't even issue their own cards... they're issued thru First National Bank of Omaha but the Union Bank logo is slapped on them. When you call customer service, you're getting First National Bank of Omaha.


Interesting! I had no idea... And, isn't FNBO a part of Barclays?
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



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