24/7 U.S.-Based Phone Customer Service
$0 Fraud Liabilityif your card is ever lost or stolen2
Build your credit
through responsible use.
Enjoy flexible payment due dates so you can choose the date that works best for you; 23.24% variable APR.
+ $0 Annual Fee
0% Intro APR for the first 15 months on purchases and transfers; 10.9%-20.9% variable APR after that; 3% fee for each transfer that posts to your account within the first 15 months.
Cash back on
+ $0 Annual Fee
0% Intro APR for the first 12 months on purchases and transfers; 12.9%-22.74% variable APR after that; 3% fee for each transfer that posts to your account within the first 12 months.
I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late for any credit card, medical bill, or loan in the last year.
I have had a loan or credit card for 3 years or more with a credit limit above $5,000.
If you have Excellent credit, one of these cards may be right for you:
Cash Rewards Card
Rate Advantage Card
I have defaulted on a loan in the past 5 years.
I have limited credit history. I have had my own credit card or other credit for less than 3 years.
If you have Good credit, this card may be right for you:
Primary Access Card℠
I have defaulted on a loan more than once.
I have been declined for a credit card in the past 3 months.
If you are Rebuilding your credit, Union Plus offers a number of tips and tools that can help you as you work to improve your credit standing and look to gain access to credit.
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.
Whichever card you choose, after 3 months as a cardholder, you may be eligible for hardship grants. All grants approved for eligible cardholders are paid by check and you never have to pay them back.
Helps eligible cardholders who have lost significant income from a long-term illness or disability.
Aids eligible cardholders with large, unreimbursed hospital expenses.
Help eligible cardholders who have recently been laid off or furloughed.
Provides you with access to a number of Identity Theft Resolution Services, should you believe you are a victim of identity theft.
For more information or to apply over the phone:
I use [the Union Plus Credit Card] for large purchases. I also like that the union backs it…David Harlow
I also have a Union Plus Credit Card and have carried it since 2005. It has great rates, which is what I’m interested in.Robert Hessler
I can’t say enough about how good it’s been to have benefits [of the Union Plus Credit Card program]. You just don’t see that on any other cards.Roger Hartwell
I thought I should get a credit card through Union Plus since they care about people in the union. I’ve also been extremely satisfied with the customer service I’ve received.Theresa Heathington
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?All trademarks or trade names are properties of their respective owner.
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