Get more of what you need in a credit card
Choosing a credit card from UBT is like saying yes to more. In addition to the 5,000 bonus points‡ you can earn in the first 60 days, you’ll earn points for every dollar you spend using your UBT credit card, which you can redeem for cash back, gift cards, travel, and other rewards. Plus, you’ll enjoy lots of other great benefits:
- No annual fees
- Special promotions throughout the year
- Fraud protection
- A competitive APR
And it’s all backed by personalized, local service from a family-owned bank you can trust.
The first step is simple: Submit an application! You can do it online or in person at your nearest branch. We’ll evaluate your application and match you to the best card possible for your qualifications.
Activate your card
Once you receive your card in the mail, follow the instructions on the sticker to activate your card.
Earning points is as easy as swiping your card! You’ll earn 5,000 bonus points* right off the bat when you have 10 purchases posted within the first 60 days of account opening. From there, you’ll earn 1x points for every dollar you spend. (Hint: Keep your eyes peeled throughout the year for special promotions!)
Redeem your points
Redeeming your points is easy through ScoreCard Rewards! Simply log in to your account via UBTgo or eZCard, click the View Rewards button, provide your email address when prompted, and you’re in! From there, you can redeem your points for:
- Cash back
- Gift cards
- And more
Frequently Asked Questions
There are no Annual Fees associated with Union Bank & Trust's Rewards, Signature Rewards, or Commercial Cards.
Union Bank's Secured Credit Card has an annual fee of $25.00.
Late Payment Fees, Cash Advance Fees, or Interest Charges may be assessed. For detailed information regarding Fees associated with the credit cards, please contact us at (833) 323-1465 or view additional information by clicking HERE.
Yes. When you use your Union Bank & Trust Credit Card you earn one point for every dollar you spend on signature-based purchases. Points can be redeemed for cash back, merchandise, gift cards or travel. To learn more about Scorecard Rewards, call (800) 854-0790.
Pending transactions can be viewed within the app by tapping Pay Now button within the credit card account screen. This will sign you in to the credit card portal where you can access all of your UBT credit card information, transactions, and make payments.
A debit card allows you access to the money in your checking account. A credit card gives you access to an approved line of credit, and you repay the balance later.
If you are traveling outside of your typical purchasing area we can place travel notes on your cards. You can stop into any branch, speak with Customer Support, or notify us via the Message Center within UBTgo.
We will issue a new card approximately one month before your current credit card expires and will send it to your current billing address. Your current credit card will continue to work until the end of the month in which it expires or, until you activate your new card. We recommend activating your new card immediately, once you receive it. This can be done by calling our card activation center at (866) 444-0083. Please have your new card available when you call.
For additional questions, or if you have not received the replacement as expected, please contact our Credit Card Support at (402) 323-1465, or toll-free (833) 323-1465.
Be sure to shred your old card once the new one has been activated.
Our credit card experts are here to help.
‡Offer subject to credit approval. Valid on approved Rewards and Signature Rewards Credit Card applications received between November 1, 2020, and January 31, 2021. Bonus points offer available after 10 posted purchase transactions are made within 60 days of credit card open date. Member FDIC.