Union Bank Everyday Visa

[Kforce]

Just got a mail  invitation for this card.

5-points / $ mobile wallet for 1st year

3-points restaurant

2-points gas & grocery

10,000 Sub for 1,000 in 3 months

No annual fee

0% Intro APR  on purchases for the first 12 months

Cell Phone Protection: 50 deductible

Free: Experian Bankcard Score 9

https://www.unionbank.com/personal-banking/loans-lines-credit/credit-cards/rewards-visa.jsp

[arkane]

Got one too about a month ago. Make sure you open a checking account with them because you get a sizable 25% redemption bonus for 1.25 cpp. 

Or if by some miracle you have a mortgage with them, the points are then worth 1.5 cpp when redeemed against the balance. 

[Kforce]

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@arkane wrote:

 Make sure you open a checking account with them because you get a sizable 25% redemption bonus for 1.25 cpp. 

 Or if by some miracle you have a mortgage with them, the points are then worth 1.5 cpp when redeemed against the balance. 

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Good point.

Not getting the card but thought others might be in the market.

[longtimelurker]

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@Kforce wrote:

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@arkane wrote:

 Make sure you open a checking account with them because you get a sizable 25% redemption bonus for 1.25 cpp. 

 Or if by some miracle you have a mortgage with them, the points are then worth 1.5 cpp when redeemed against the balance. 

---

Good point.

Not getting the card but thought others might be in the market.

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Even with the 1.25, it's only interesting for the first year with wallet.   3% on restaurants becomes 3.75c, which is less than Uber Visa, and 2.5 on gas and groceries which is each to beat.   6.25c on the first $6K with mobile wallet does sound interesting, capped at $6K spend.   But that's only for a first year

[toadsworth]

I have this card. Had to jump through some hoops to get the checking account as I’m outside of their usual geographic footprint but I was able to get it done. My go-to applepay card at 6.25%, was an easy signup bonus too. They do offer a reserve line of credit for the checking account as well.

[arkane]

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@longtimelurker wrote:

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@Kforce wrote:

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@arkane wrote:

 Make sure you open a checking account with them because you get a sizable 25% redemption bonus for 1.25 cpp. 

 Or if by some miracle you have a mortgage with them, the points are then worth 1.5 cpp when redeemed against the balance. 

---

Good point.

Not getting the card but thought others might be in the market.

---

Even with the 1.25, it's only interesting for the first year with wallet.   3% on restaurants becomes 3.75c, which is less than Uber Visa, and 2.5 on gas and groceries which is each to beat.   6.25c on the first $6K with mobile wallet does sound interesting, capped at $6K spend.   But that's only for a first year

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Well it's an easy $500 for 6k spend in the first year ($125 SUB on first 1k then $375 on subsequent 5k to hit 6k cap for a total of $500) assuming you open a checking account with them. I believe you can link your mobile wallet to Visa checkout and use it anywhere online that accepts Visa checkout as well.

The way I see it, it's basically a $500 "SUB" after 6k spend with a 1 year timeframe. Not the best by any means, but being able to spread out the spend over an entire year is a major plus. Assuming they don't nerf the rewards, this card is definitely on my to-get list at some point.

[Anonymous]

Got this as well, but not excited about it.