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Union Bank Everyday Visa

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Valued Contributor

Union Bank Everyday Visa

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

 

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k) / US-Bank Cash+ (15k)
FNBO Travel Elite (15k) / Citi Double Cash (20k) / US Alliance 3% (20k)
Ficos : 830 / AAoA : 9 yrs / AoOA : 24 Yrs / AoYA : 0
Message 1 of 7
6 REPLIES 6
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Established Contributor

Re: Union Bank Everyday Visa

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. 

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6/8/20:

Message 2 of 7
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Valued Contributor

Re: Union Bank Everyday Visa


@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.

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k) / US-Bank Cash+ (15k)
FNBO Travel Elite (15k) / Citi Double Cash (20k) / US Alliance 3% (20k)
Ficos : 830 / AAoA : 9 yrs / AoOA : 24 Yrs / AoYA : 0
Message 3 of 7
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Mega Contributor

Re: Union Bank Everyday Visa


@Kforce wrote:

@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

Message 4 of 7
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Regular Contributor

Re: Union Bank Everyday Visa

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.
Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit
Message 5 of 7
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Established Contributor

Re: Union Bank Everyday Visa


@longtimelurker wrote:

@Kforce wrote:

@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


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.

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6/8/20:

Message 6 of 7
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Valued Contributor

Re: Union Bank Everyday Visa

Got this as well, but not excited about it.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
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