ScoreCard Rewards

Earn points or cash back on your credit card purchases

ScoreCard Rewards lets you choose whether to use your points for cash back, merchandise, gift cards, or travel. Simply connect your card and start earning. 

Redeem your points for sweet rewards

Cash back

Want to put money back in your pocket? Each 100 points you earn is worth $1 cash.


Use your rewards to book flights, hotels, car rentals, and even vacation packages.


Trade your rewards for name-brand merchandise you’ve been eyeing — you earned it.

Gift cards

Put your rewards to work when you choose gift cards from your favorite retailers.

ScoreMore Rewards

Check out special deals chosen just for you with the ScoreMore Deals feature.

Fuel discounts

Reward yourself at the pump when you use your ScoreCard rewards for fuel discounts.


Connect Your Rewards Account

Watch the rewards roll in

Once you start earning rewards, you’ll probably want to watch them add up. Connecting your rewards account is easy:

  • Make at least one purchase of more than $1 using your UBT credit card
  • Once your transaction posts (typically 2-3 days), log in to your credit card
  • From your credit card home screen, find the View Rewards button
  • Provide your email address when prompted, and you’re in!

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 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.

How do I increase my credit card limit?

To request a Credit Card limit increase, you can stop by any of our branches or visit our Credit Cards web page and click the "Apply Now" button next to the card you have. This will open the application form. Indicate at the top of the application that you are requesting a Credit limit increase and the desired amount. Applications can be dropped off at any of our branches or mailed to us at:

Union Bank & Trust Company

Attn: Credit Card Division

P.O. Box 82535

Lincoln, NE 68501-2535

You may also speak with a loan officer by calling (402) 323-1789.

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

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