Union Plus Rate Advantage Card
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Mastercard
- Intro purchase APR
- 0% for the first 15 months
At a glance
The Union Plus Rate Advantage Card is a balance transfer and low rate credit card issued through Capital One. The no annual fee card is open to AFL-CIO affiliated union members and provides a lengthy 15-month 0% intro APR period on both balance transfers and purchases. Once the intro period ends, the typical APR varies considerably, but those with excellent credit scores can expect a highly competitive APR.
Our review of the Union Plus Rate Advantage Card
If you’re a union member looking for a credit card with a low rate and generous introductory APR period, the Union Plus Rate Advantage Card is worth considering. With a 0% introductory APR on balance transfers and cash advances for 15 months, this card offers a competitive option for managing your finances.
Features of the Union Plus Rate Advantage Card
- 0% Introductory APR for 15 months on balance transfers and cash advances
- No annual fee
- Hardship grants available for eligible cardholders
- Member rebates and discounts for Union Privilege members
- Consumer protections like $0 fraud liability and identity theft resolution services
Union Plus Card Comparison
Not sure which Union Plus credit card is right for you? Here’s a comparison of the three cards offered by Capital One:
| Card | Cash Rewards | Rate Advantage | Primary Access |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Designed for | Unlimited cash back | Low APR | Building credit |
| Rewards | 1.5% back on every purchase | N/A | N/A |
| Other | 0% intro APR for 12 months | 0% intro APR for 15 months | N/A |
Should You Apply for the Union Plus Rate Advantage Card?
With a competitive 0% introductory APR period and additional benefits like hardship grants and member discounts, the Union Plus Rate Advantage Card is a solid choice for union members looking to manage their finances effectively. The 15-month interest-free period on balance transfers can help you save money and pay off existing debts, while the grants provide support in times of need. Consider applying for this card if you want a credit card that prioritizes your financial well-being.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 0% introductory APR on purchases and balance transfers
- $0 Fraud Liability if the card is lost or stolen
- 24/7 U.S-based customer service
Who this card may suit
- You're members of an AFL-CIO affiliated union
- You have a strong credit history so they can take advantage of the best rates
- You're planning to purchase a big-ticket item
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for the first 15 months |
| Regular Purchase APR | 15.9% - 25.9% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for the first 15 months |
| Balance Transfer APR | 15.9% - 25.9% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the transaction amount for the first 15 months; None after that |
| Cash Advance APR | 28.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each Cash Advance, whichever is greater |
| Late Payment Penalty Fee | Up to $38 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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Union Plus Rate Advantage Card
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