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Union Bank

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Union Bank provides a variety of personal, small business and commercial and institutional banking options for consumers. The bank was founded in California in 1864, and mainly serves west coast communities from Washington to California. Today, the bank, with headquarters in San Francisco, has assets of over $100 billion as of the close of 2013. Just over 400 branches are found throughout California, Oregon and Washington, while commercial prances were also found in Atlanta, Dallas, New York, and Chicago. The institution provides a variety of Union Bank rewards credit cards and options for personal as well as business use.

Types of Union Bank Rewards Credit Cards

Union Bank rewards credit cards are popular for their perks and benefits, low rates, and no annual fees. Union Bank rewards credit cards include:

• Union Bank American Express card
• Union Bank Graphite American Express card
Maximum Rewards Visa card

The rewards and benefits attached to each of these cards differ, but provide a variety of options when it comes to low interest rates, reward choices, and options for cash and travel rewards.

Benefits of the Union Bank Credit Card

The perks and benefits attached to Union Bank rewards credit cards depend on the card that you choose. For example, the American Express Union Bank cards are designed for cash and travel rewards, with between 2% and 3% cash back on purchases.

The Maximum Rewards Visa card offers one dollar in reward points for every dollar you spend on qualifying purchases and offers a variety of rewards and options. Some of the perks and benefits attached to the American Express cards include no foreign transaction fees and again, the option to earn 2% to 3% cash back with usage. For example, the Union Bank American Express card offers 2% cash back on gas and grocery purchases to qualify, and 1% cash back on other purchases. The Maximum Rewards Visa card offers one point for every dollar you spend on qualifying purchases with no limit on the points that can be earned. The Union Bank Graphite American Express card offers 3% cashback on airline purchases, 2% cashback on groceries and gas, and 1% cashback on all other purchases.

Annual Percentage Rates and Fees

Annual percentage rates and fees attached to the Union Bank rewards credit cards differ based on the card you choose as well as your credit history and perceived credit worthiness as determined by Union Bank. The Maximum Rewards Visa card and the American Express cards offered by Union Bank come with APRs that range 13.99% to 19.99%, based on credit worthiness. Each of these cards offers an introductory APR, but those APRs vary depending on the market and prime rate.

Annual Fees

Union Bank rewards credit cards differ when it comes to annual fees. The Union Bank American Express card and the Union Bank Maximum Rewards Visa card do not have an annual membership fee. The Union Bank Graphite American Express card does have a $99 annual fee, but your first year of card ownership annual fee will be waived.

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