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Union Plus Cash Rewards Credit Card Review

Union Plus Cash Rewards from Capital One ā€” all information about the credit card.

Updated December 19, 2023
Advertiser Disclosure Our Methodology
Capital One Union Plus Cash Rewards
Learn more
Our Rating:
4 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months
  • Regular APR:
    18.15% - 27.99% Variable
  • Balance Transfer APR:
    18.15% - 27.99% Variable
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Regular APR
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Upgrade Triple Cash Rewards VisaĀ® Upgrade
Upgrade Triple Cash Rewards VisaĀ®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
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Learn more

Union Plus Cash Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
Calculate
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All benefits

  • Cash back
    • 1.5% On all purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 months
  • Purchase APR
    • 18.15% - 27.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 months
  • Balance Transfers APR
    • 18.15% - 27.99% Variable
  • APR for Cash Advances
    • 29.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 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. None for Transfers at the Purchase APR after the first 12 months that your account has been open
  • Fees for Cash Advances
    • Either $3 or 3% of the amount of each Cash Advance, whichever is greater
  • Late Payment
    • Up to $38
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No welcome bonus

Features

Classic
Mastercard
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Excellent Credit

About the issuer

Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partnerā€™s site
Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partnerā€™s site
Good credit score
Upgrade Cash Rewards VisaĀ®
Upgrade Cash Rewards VisaĀ®
4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • None
    Purchase Intro APR
Apply now
On Upgradeā€˜s website

See Another Credit Cards in the Bank

Capital One Union Plus Cash Rewards is an option for those, who need Classic features. With an APR of 18.15% - 27.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With Capital One Union Plus Cash Rewards you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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    Annual Fee
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    Purchase Intro APR
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