Preferred Rewards Visa® from Union Bank® Review

All benefits

• Points
  • 3x Per $1 spent up to $6,000 annually at restaurants, and 1 point per $1 spent thereafter.
  • 2x Per $1 spent up to $6,000 annually on gas and grocery store purchases, and 1 point per $1 spent thereafter.
  • 1x Per $1 spent on all other purchases.
• Travel
  • Visa Concierge Services:
  • Offers you personalized assistance with travel and restaurant reservations, gift arrangements, business services, and more. The cost of any goods or services provided are the cardholder's responsibility
  • Roadside Dispatch®:
  • Offers you a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services, giving you peace of mind when you’re out on the road.

Rate and fee information

• Purchase Intro APR
  • 0% Introductory APR for the first 12 months that your account is open
• Purchase APR
  • 16.24% - 26.24% Variable
• Intro Balance Transfer APR
  • 0% Introductory APR for the first 12 months that your account is open
• Balance Transfers APR
  • 16.24% - 26.24% Variable
• APR for Cash Advances
  • 27.50% Variable
• How to Avoid Paying Interest
  • Your due dateis at least 21 calendar days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

Pros & Cons

Features

• 0% Intro APR
• No Annual Fee
• Fraud Protection
• Rewards
• Bonus points
• Purchase Protection
• Good Credit