Rewards & Signature Rewards
Get the features you need most in your credit card with our classic Visa Rewards card.
Secured
Need to build or repair your credit? Our Secured Visa card will help you get on the right track.
Rewards & Signature Rewards | Secured | |
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The Basics | The Rewards and Signature Rewards cards earn you points and/or cash back for every purchase you make. With Signature Rewards, you’ll also have access to additional exclusive VISA perks. |
For those who have no credit or damaged credit, a Secured card can help you jump-start the rebuilding process and earn rewards along the way. |
Annual Fees | None | $25 per year |
Rewards | Earn 1 point per $1 purchased. Redeem points for cash back, travel, gift cards, merchandise, and more | Earn 1 point per $1 purchased. Redeem points for cash back, travel, gift cards, merchandise, and more |
Enrollment |
Automatic enrollment in ScoreCard Rewards Program |
Automatic enrollment in ScoreCard Rewards Program |
Additional Perks |
Qualified Signature cardholders enjoy additional VISA Signature perks you won’t find with our other card. |
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Qualifications |
When you submit an application, you’re applying for an unsecured credit card with Union Bank & Trust, and approval is based on your credit. The Visa Rewards and Signature Rewards credit cards have the same terms and conditions. |
Secure your credit line with a cash deposit. |
Interest Rates and Fees | View interest rates and fees | View interest rates and fees |
Bonus Reward Points
Choose the card that gives you more
Sometimes more really is better — like more whipped cream on your peppermint mocha latte, or more reward points in your credit card account. And right now, you can get 5,000 bonus points or $50 cash back‡ when you open a new Rewards or Signature Rewards credit card from UBT and use it 10 times within 60 days of account opening. Plus, you'll earn points for every dollar you spend using your card, which you can redeem for cash back, gift cards, travel, and other rewards.

‡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.
COVID-19 Relief
We know things are still rocky. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.

ScoreCard Rewards
Make every purchase count with your UBT credit card
When you use your UBT credit card for lunch at your favorite restaurant or to fuel up for your next road trip, you’re earning points for every dollar you spend. You can redeem your reward points for:
- Cash back
- Gift cards from top retailers
- Travel booking
- And more
SecurLock Equip
Credit card security on the go
These days, keeping your credit card secure is more important than ever. That’s why we’ve partnered with SecurLock to help you take control of keeping your account safe. When you download the SecurLock app, you can:
- Turn your credit card on and off
- Set up real-time transaction alerts
- View transactions
- Authorize certain transaction types for purchases
- Place location controls on in-person purchases
Existing Cardholders
We make it easy to manage your account online, from viewing your account transactions and history to making payments to accessing rewards and more.
Frequently Asked Questions
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.
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.
Please contact a UBT Credit Card Specialist at 402-323-1465, toll-free at 833-323-1465, and we will be happy to assist you.
As soon as you discover your credit card is missing, call our Credit Card Customer Service center toll-free at (800) 221-5920 to report your card as lost or stolen. You may call 24 hours a day, seven days a week.
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