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UNION BANK REWARDS VISA® CREDIT CARD (Private Bank Offer)
Choice of Credit Cards
This is the credit card for you if you're looking for:More rewards to use your way, with no annual fee.
Summary of Credit Terms
Rewards
  • 10,000 bonus points when you spend $1,000 in the first 3 billing cycles###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 3 points for every $1 spent up to $6,000 annually on airline purchases and 1 point for every $1 spent thereafter###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 2 points for every $1 spent up to $6,000 annually at restaurants and 1 point for every $1 spent thereafter###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 1 point for every $1 spent on all other purchases###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 25% reward bonus when you redeem rewards points in the form of a deposit to your Union Bank checking, savings, or money market account.###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 50% reward bonus when you redeem rewards points as a principal reduction payment to your Union Bank mortgage.###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
Airline Incidental Fees Statement CreditReceive a statement credit of up to $50 per account per calendar year for Qualifying Airline Incidental Fee Purchases. For example:
  • Baggage fees
  • In-flight food and beverage purchases
  • Ticket change/ cancellation fees
See Terms and Conditions to learn more about your benefits.###DISCLAIMER:2_0 Visa Concierge###
Airport Lounge AccessN/A
APR for Purchases15.49% to 25.49% APR on purchases based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Summary of Credit Terms
APR for Balance Transfers
  • 0% Intro APR on balance transfers for the first 12 billing cycles.###DISCLAIMER:2_0 Summary of Credit Terms###
  • Following the Intro period, your APR will be 15.49% to 25.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    Summary of Credit Terms
Annual Fee$0
Summary of Credit Terms
Foreign Transaction Fee3%
Summary of Credit Terms
Balance Transfer Fee3% Intro balance transfer fee on each transaction (minimum $10) for the first 12 billing cycles. Following the Intro period, 5% of each transaction (minimum $10).
Summary of Credit Terms
Additional Features
  • Visa® Concierge Services:
    Enjoy complimentary assistance with travel and restaurant reservations, gift arrangements, business services, and more.###DISCLAIMER:2_0 Cardmembers Responsible###
  • Dedicated Customer Service:
    Convenient access to dedicated Private Bank credit card client service that is available to assist you with any request.
  • Visa® Signature Luxury Hotel Collection:
    Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Luxury Hotel Collection at VisaSignatureHotels.com.###DISCLAIMER:2_0 Visa Signature Hotels###
  • Cell Phone Protection:
    Now you have less to worry about when using your cell phone. Receive supplemental coverage for damage or theft of your covered cell phone when you pay your monthly wireless bill with your eligible Visa card.###DISCLAIMER:2_0 Visa Concierge###
View Summary of Credit TermsView Cardmember AgreementTo Apply, Visit a Branch

For more information about the exceptional services and benefits that come with your Union Bank Rewards Visa® Credit Card, please contact your Relationship Manager.
Important Information
In order to keep these great rates, you must make all payments when due, stay within your credit limit, and not have any payments dishonored for any reason. If any of these things happen, the Penalty APR of up to 29.99% may be applied to all balances, including balance transfers. The Penalty APR may apply indefinitely. The cardholder agreement gives us the right to change account terms for any reason, subject to applicable law, including if your credit profile changes. We may apply your payments in the order we choose from time to time. We must, however, comply with applicable law governing application of your payments. Currently, this means that if you make a payment in excess of the required minimum payment, we must apply the excess amount first to your Balance Category with the highest Annual Percentage Rate. Any remaining portion of that excess amount must be applied to your other Balance Categories in descending order based on their applicable Annual Percentage Rates.
UNION BANK REWARDS VISA® CREDIT CARD FOR THE PRIVATE BANK
Choice of Credit Cards
This is the credit card for you if you're looking for:Exceptional benefits and more rewards to use your way.
Rewards
  • 30,000 bonus points when you spend $3,000 in the first 3 billing cycles###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 3 points for every $1 spent up to $6,000 annually on airline purchases and 1 point for every $1 spent thereafter###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 2 points for every $1 spent up to $6,000 annually at restaurants and 1 point for every $1 spent thereafter###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 1 point for every $1 spent on all other purchases###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 25% reward bonus when you redeem rewards points in the form of a deposit to your Union Bank checking, savings, or money market account.###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
  • 75% reward bonus when you redeem rewards points as a principal reduction payment to your Union Bank mortgage.###DISCLAIMER:2_0 UB Private Bank Credit Card - See Rewards and Terms###
Airline Incidental Fees Statement CreditReceive a statement credit of up to $100 per account per calendar year for Qualifying Airline Incidental Fee Purchases. For example:
  • Baggage fees
  • In-flight food and beverage purchases
  • Ticket change/ cancellation fees
See Terms and Conditions to learn more about your benefits.###DISCLAIMER:2_0 Visa Concierge###
Airport Lounge AccessEnjoy complimentary PriorityPassTM Select Membership and access to over 850 airport lounges worldwide, including four individual visits annually for the primary cardholder to use individually or with a guest, at no cost. See Terms and Conditions to learn more about your benefits.###DISCLAIMER:2_0 Priority Pass Select###
APR for Purchases15.49% to 25.49% APR on purchases based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Summary of Credit Terms
APR for Balance Transfers
  • 15.49% to 25.49% APR on balance transfers based on your creditworthiness.###DISCLAIMER:2_0 Summary of Credit Terms### This APR will vary with the market based on the Prime Rate.
    Summary of Credit Terms
Annual Fee$199
Summary of Credit Terms
Foreign Transaction Fee0%
Summary of Credit Terms
Balance Transfer Fee5% of each transaction (minimum $10).
Summary of Credit Terms
Additional Features
  • Visa® Concierge Services:
    Enjoy complimentary assistance with travel and restaurant reservations, gift arrangements, business services, and more.###DISCLAIMER:2_0 Cardmembers Responsible###
  • Dedicated Customer Service:
    Convenient access to dedicated Private Bank credit card client service that is available to assist you with any request.
  • Visa® Signature Luxury Hotel Collection:
    Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Luxury Hotel Collection at VisaSignatureHotels.com.###DISCLAIMER:2_0 Visa Signature Hotels###
  • Cell Phone Protection:
    Now you have less to worry about when using your cell phone. Receive supplemental coverage for damage or theft of your covered cell phone when you pay your monthly wireless bill with your eligible Visa card.###DISCLAIMER:2_0 Visa Concierge###
View Summary of Credit TermsView Cardmember AgreementTo Apply, Visit a Branch

For more information about the exceptional services and benefits that come with your Union Bank Rewards Visa® Credit Card, please contact your Relationship Manager.
Important Information
In order to keep these great rates, you must make all payments when due, stay within your credit limit, and not have any payments dishonored for any reason. If any of these things happen, the Penalty APR of up to 29.99% may be applied to all balances, including balance transfers. The Penalty APR may apply indefinitely. The cardholder agreement gives us the right to change account terms for any reason, subject to applicable law, including if your credit profile changes. We may apply your payments in the order we choose from time to time. We must, however, comply with applicable law governing application of your payments. Currently, this means that if you make a payment in excess of the required minimum payment, we must apply the excess amount first to your Balance Category with the highest Annual Percentage Rate. Any remaining portion of that excess amount must be applied to your other Balance Categories in descending order based on their applicable Annual Percentage Rates.