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 | |
|---|---|---|
| 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. |
|
| 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
Life’s more rewarding with a UBT credit card
With a Rewards or Signature Rewards Visa credit card from UBT, you can be well on your way to earning bonus reward points‡ just for making everyday purchases. Open a new credit card account today and reap bonus rewards for the first 90 days, like:
- 2,500 extra reward points‡ after your first purchase
- 3x points‡ on dining out
- 2x points‡ on groceries
- 1x points‡ on everything else
You can use your points for cash back, travel, gift cards, and more! Already have a UBT credit card? From now until October 31, 2020, you’ll also earn 3x points on dining out and 2x points on groceries, in addition to 1x points on everything else.
‡ Valid on Rewards and Signature Rewards credit cards. Approved applications received 08/01/20 to 10/31/20 earn 2,500 points after the first purchase, plus bonus points offer on select purchases made within 90 days of card open date. Offer subject to credit approval. For existing cardholders, bonus points offer available through 10/31/20. Bonus points offer includes: 3x points on dining, 2x points on groceries, and 1x point on all other purchases. Merchant Category Codes: Bonus points for reward categories (e.g., dining or 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.
COVID-19 Relief
We know things are still rocky as our communities focus on reopening. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.
Signature Rewards Card
Offers + perks
Gain access to a wide variety of offers and deals, including travel, food, wine, dining, shopping, sports, entertainment, and more.
Emergency services
When you’re traveling or working anywhere in the world, your covered Visa Signature® card gets you access to a multilingual call center for help — 24 hours a day, 365 days a year.
Help on the road
Benefits like pay-per-use Roadside Dispatch and Auto Rental Collision Damage Waiver help you when you’re traveling on the road.
Lost or stolen card
Call Visa Global Customer Care Services at 800.847.2911 to report your card. They can help you get a replacement, and this also protects you from liability for fraudulent charges.
Emergency cash disbursement
In case of emergency, Visa can arrange a wire cash transfer to your local Western Union within two hours of approval from your bank.
Cardholder inquiry services
Take full advantage of your unique benefits with personalized support from Visa Signature card benefits experts.
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
Apple Pay®
Out and about with your iPhone? Search for your the Apple Pay® app on your phone and load your UBT card.
Samsung Pay®
Your credit or debit card can go wherever your Samsung goes. Load your UBT card into your phone's mobile wallet.
Google Pay™
Most Android phones are compatible with Google Pay™. Download the app and load your UBT card.
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.
Have Questions?
Get help from an expert
iPhone®, ApplePay®, Apple®, and App Store® are registered trademarks of Apple Inc.
Samsung Pay® is a registered trademark of Samsung Electronics Co.
Android™, Google Play™, and Google Play logo are trademarks of Google LLC.
‡ Valid on Rewards and Signature Rewards credit cards. Approved applications received 08/01/20 to 10/31/20 earn 2,500 points after the first purchase, plus bonus points offer on select purchases made within 90 days of card open date. Offer subject to credit approval. For existing cardholders, bonus points offer available through 10/31/20. Bonus points offer includes: 3x points on dining, 2x points on groceries, and 1x point on all other purchases. Merchant Category Codes: Bonus points for reward categories (e.g., dining or 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.