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Union Plus Credit Card Rate Advantage Reviews & Info

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Contact Information

  • Telephone: 1-800-522-4000
  • E-Mail: There is a contact form on their website
  • Mailing Address: PO Box 60501 City of Industry, CA 91716-0501

The Union Plus Rate Advantage credit card is the only card designed especially with the hardworking union members and their families in mind. With its low rates, and benefits, it’s a card that union members can depend on.

Card Information


After three months, the cardholder is eligible for HARDSHIP GRANTS which include Disability Grants, Hospital Grants, and Strike Grants.

Cardholders are eligible for rebates on participating brands like AT&T

Access to a Union Staffed Advocacy Program if the card member needs an issue to be resolved with the Advocacy Plus program

0% Fraud Liability if the card is lost or stolen

Signup Bonus


Annual Fee


Cash Advance APR

24.24% depending on the market Prime Rate

Late Payment Fee

Up to $35

Purchases APR

0% for the FIRST 15 months, then 11.15% - 21.15% thereafter

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5 Reviews

Union Plus Credit Card Rate Advantage Overall rating: ★★★★☆ 3.8 based on 5 reviews
5 1

Good card

4 5 1
Good card to have. Like the fact that they have a 0% APR for purchases for the first 15 months. Great help.

Good Card

3 5 1
Capital One ( the bank provider) had always had great credit cards and excellent customer service. My family has been with them for several years, and I've never had any complaints about the service.

One of the good cards to have

4 5 1
The benefits are very good especially the hardship grants. Capital One has always been a good bank, and my family and I have never had any bad experience with them.

Great Card for Union Members

4 5 1
The first positive is that it has no annual fee and secondly the interest rate and APR are very reasonable, and that's a big thing.The fact that after after 3 months you are eligible for hardship grants is awesome. Overall a great card to have.

Good Card to rebuild credit

4 5 1
I like the fact that this card offers a 0% APR the first 15 months which is more than most other cards that usually offer it only for 6 months.
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