Personal Credit Cards

Even small purchases can mean big rewardsᙾ

With UBT’s credit card offerings, you can earn points and cash back as easily as swiping your card — and right now, with a new card you can double and triple your rewards on certain everyday purchases.

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  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

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.


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

Earn extra rewards for everyday purchases

Whether you’re picking up takeout or restocking the pantry, a Rewards or Signature Rewards Visa credit card from UBT makes life more rewarding. Open a new credit card account today and reap bonus rewards for your first 90 days:

  • 2,500 extra reward points after your first purchase — that's $25 cash back!
  • 3x points on dining out
  • 2x points on groceries
  • 1x points on everything else

You can redeem the points you earn for cash back, travel, gift cards, and more!

1x points all the time, 2x points on groceries, and 3x points on eating out

‡ 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.

All three credit card options

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
Change the way you pay with a mobile wallet
Apple Pay Logo

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 logo

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 Logo

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

Already have a UBT credit card?

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

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.

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.

I locked myself out of the credit card website, who can I contact for assistance?

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.

I lost my credit card. What should I do?

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.

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.