The Union Plus Credit Card Program from Capital One

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Built for Union Members.
Backed by Union Members.

ATU Credit Card

Giving union members peace of mind with hardship grants.1

All Cards Include:

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Choose the card that's right for you.

Which Credit Level Best Describes You?

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility.

All cards include these features and benefits:

For more information or to apply over the phone:

1-800-522-4000

Cardholder reviews

89% of cardholders surveyed recommend Union Plus Credit Cards.4

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Credit approval required for all products

Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 12.9%, 18.9%, or 22.74% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.

Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; 10.9%, 16.9%, or 20.9% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open.

Primary Access Purchase APR: 23.24% variable APR. Transfer APR: 23.24% variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.

Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR: 23.99% variable. Variable APRs will vary with the market, based on the Prime Rate. Cash Advance Fee: greater of 4% of each cash advance amount or $10.

1 Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan (“The Plan”). Grant amounts can range from $500 to $2,700 and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply, including (but not limited to):

Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330. Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A.

2$0 Fraud Liability claims are subject to investigation and verification.

3Certain terms, conditions, and exclusions apply. Contact 1-800-Mastercard (1-800-627-8372) for complete terms and conditions.

4Email survey of Union Plus Credit Cardholders conducted in February 2021 by Union Plus. 6,921 responders; 6,183 answered “Yes” when asked, “Would you recommend the Union Plus Credit Card Program?”


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The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.
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