Even if you spent more during the holidays than you had intended, you can easily organize your finances in the New Year by consolidating to a UBT Credit Card. You’ll take advantage of great interest rates, no fee on your balance transfer, and you’ll even earn ScoreCard Rewards bonus points on your total balance transferred. Now’s the time to reward yourself by upgrading to a UBT credit card. Get started by calling our credit card area at 888.828.4450.

Which credit card is right for you? Compare them below, make your selection, and we'll make applying easy.

	MyStyle Credit Card	Classic Credit Card	Platinum Credit Card	Secured Credit Card
	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW
Features
Intro APR	5.9% for 6 months	No	No	No
APR (variable)	18.99%	15.00%	12.00%	18.99%
Annual Fee	No	No	No	$32
Late Fee	Up to $35	Up to $35	Up to $35	Up to $35
Cash Advance Fee	$5.00 or 4%, whichever is greater	$5.00 or 4%, whichever is  greater	$5.00 or 4%, whichever is greater	$5.00 or 4%, whichever is greater
Purchase Grace Period	25 Days	25 Days	25 Days	25 Days
Foreign Transaction Fee	3.00%	3.00%	3.00%	3.00%
ScoreCard Rewards Program
1 - 1 Points	Yes	Yes	Yes	Yes
Additional Benefits
Identity Theft Reimbursement Insurance	Yes	Yes	Yes	No
Identify Theft Victim Assistance	Yes	Yes	Yes	No
Travel Reservation Service	Yes	Yes	Yes	No
90 Days Product Protection	Yes	Yes	Yes	No
Extended Warranty			Yes
Personal Shopper			Yes

Click here for the Cardholder Agreement for all Union Bank Credit Cards