Union Plus Direct Mail - Upmarket
No annual fee. Purchase APR 20.9–25.15%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
We can't put a dollar value on this card: our sources don't say what rewards it earns, or whether it earns any. Its fees and rates are below.
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Lower top APR than about 80% of the 50 cards on our 0% intro APR list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Intro APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- After 3 months as a cardholder, eligible cardholders may qualify for hardship assistance grants paid by check, which do not have to be repaid.
- Hardship grant amounts range from $500 to $2,700 and vary by grant type.
- A cardmember may receive no more than three grants of each grant type per Union Plus Credit Card Account over the account's lifetime, no more than one grant of each grant type per year, and only one grant of each grant type for any unique loss event across multiple accounts.
- The Union Plus Credit Card account must have been in good standing when the loss event occurred, and the loss event must have occurred at least 3 months after becoming a cardmember.
- Union Plus discounts are available subject to restrictions; details are provided at unionplus.org/cardperks.
- Online account access, the Capital One Mobile App, and 24/7 U.S.-based phone service are available for account management.
Questions
- What is the annual fee?
- None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 20.90–25.15% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there an intro APR?
- 0% for 15 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026