Rewards & Signature Rewards Credit Cards

Life’s more rewarding with a credit card from UBT

Celebrate the little things with big rewards when you open a new Rewards or Signature Rewards credit card from UBT — like 2,500 bonus points (that's $25 cash back!) after your first purchase, plus double or triple the points earned for dining and groceries when you use it in the first 90 days.

Why UBT?

Even small purchases can mean big rewards

Choosing a credit card from UBT means life is more rewarding. In addition to earning 2,500 bonus points (or $25 cash back!) after your first purchase and additional points for dining and groceries in the first 90 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.

Earn extra rewards for everyday purchases

3x points on dining

It doesn’t matter if you dine in or carry out, you’ll earn 3x the points on restaurant purchases made in the first 90 days.

2x points on groceries

You’ll also earn 2x the points on grocery purchases for the first 90 days, so you can earn rewards as you stock up on essentials.

1x points on everything else

You’ll earn 1 point for every $1 you spend using your UBT credit card — and there’s no limit to the number of points you can earn.

More Rewards
Earning points is easy

Apply now

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. 


Start earning

Earning points is as easy as swiping your card! You’ll earn 2,500 bonus points right off the bat after your first purchase is posted within the first 90 days of account opening. From there, you can earn 3x points on dining and 2x points on grocery purchases posted in the first 90 days. Plus, 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
  • Merchandise
  • Gift cards
  • Travel
  • And more

Frequently Asked Questions

Are there any fees for having a Union Bank & Trust credit card?

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

Do Union Bank Credit Cards offer rewards?

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.

How can I see pending credit card transactions in the UBTgo mobile app?

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.

What’s the difference between a debit card and a credit card?

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.

How do I notify UBT of my travel plans?

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.

What do I do if my credit card expires?

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.

Have Questions?

Our credit card experts are here to help.

‡ Offer subject to credit approval. Valid on Rewards and Signature credit cards. Receive 2,500 bonus points after your first purchase and earn additional bonus points on select purchases made within 90 days of card open date. Merchant Category Codes: Bonus points for reward categories (e.g., dining, groceries) are dependent upon the code assigned to the merchant that identifies the merchant’s primary area of business. We do not assign or have control over the codes assigned to a merchant. Similar codes are grouped into categories in order to offer bonus points to you. If you make a purchase at a merchant whose code matches a category that gives you bonus points, you will earn bonus points on the transaction. Promotion valid on approved applications received February 1, 2021, to June 30, 2021. Member FDIC.