| Union Plus Credit Card |
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Pay your bill online and manage your account. 
Don't have the card yet? Apply now.
You can apply for the Rewards Card here.
"A few months ago, I received a Union
Plus Secured Credit Card. This is simply the best
financial decision I have made in a long time. Not only
am I well on the way to significantly improving my credit,
the customer support is fast, friendly and responsive.
I can count on Union Plus."
Gerald de Heer
CWA, Local 9415
Honolulu, HI
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Carry the card that works as hard as you do.
Union Privilege and our partner HSBC Card Services have created the
Union Plus® Credit Card exclusively for union members and family members of union households . Explore the many
reasons to apply
today. You can also apply for the Rewards Card here.
Find
out about your other Union Plus discounts and services.
The Union Plus Credit Card comes with Triple Plus® Features no other card can equal. Here's a sampling of what new cardmembers will get:
Triple Plus Value®
- No annual fee
- Exclusive member rates and benefits
- Money-saving balance transfer offers
- Scholarship program
- Free additional cards
- Money-saving discounts
Triple Plus Protection®
Triple Plus Service®
To ensure satisfied Cardholders, Union Plus approaches customer service
from all sides.
- All customer service calls answered by representatives in the United States.
- 24-hour personal customer service by phone or online
- Member advocates - staffed by fellow union members
- help members with issues such as charge disputes. To contact Union
Plus advocates about concerns, please complete the
Union Plus feedback form.
- Merchant dispute assistance.
- Online
account management to manage your Union Plus Credit Card account, view statements or even pay your bill online.
- Card
FAQ
Variety
Union Plus offers a variety of credit cards such as our Rewards Card and Secured Card to serve the diverse needs of union members. Browse Types of Credit Cards to find the perfect fit.
Satisfaction, Reliability & Confidentiality
More than three million union members already enjoy Union Plus Credit Card
advantages. HSBC is Union Privilege's trusted partner, and both organizations
take your privacy
and security seriously. Sound good? Apply
now!
Unmatched Rates & Service
The Union Plus Credit Card not only provides working families with low rates but also protection from punitive actions that other leading credit card providers cannot match. With the Union Plus MasterCard, cardholders are not charged punitive rates for late payments.
Credit Card Comparison
Union Plus Credit Card vs. Cards from Top Issuers
| Feature/Practice |
Typical Credit Cards |
Union Plus |
| Annual Percentage Rate (APR)^ |
Average APR is 14.85%. Nearly one-quarter with rates higher than 20% |
Average APR is 13.67%. Retail rate is capped at 19.99% |
| Grace Period |
20 days |
25 days |
| Default Pricing |
- As high as 30.99%
- Triggers: Most use SINGLE late payment, overlimit or returned check
- Most offer no right to cure
(Exceptions: American Express and Capital One: earn back rate after 12 months of on-time payments)
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- Capped at 19.99%
- Triggers: Twice 3+ days late; twice overlimit; once 3+ days late and once over limit; or late twice and overlimit once in 12 months
- Right to cure: Member can earn back original rate with 6 months of on-time payments
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| Special Protections |
None |
- Free Credit Counseling
- Lifeline Trust provides grants to cardholders out of work due to recent disability, $250,000 annually
- Layoff Helpline
- Disaster Relief Fund
- Skip Payments (up to 4 per year for strike)
- Secured Credit Card
- Full-time Member Advocate OPEIU employee
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| Mandatory Arbitration |
Yes, forces consumer to waive his or her right to a court trial. |
No mandatory arbitration clause |
| Raise Rates Any Time | Claim the right to change terms for any reason |
Terms can change only if Union Privilege agrees |
| All Calls Answered In US | No | Yes
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| Scholarship Program |
None | $150,000 annually
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| Union messages | No | Yes, monthly union message inserts.
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^ APR data from Argus as of December 2007.
Comparison as of May 21, 2008
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Union Plus benefits are for participating union members, retirees and their families.
Copyright © 2008 Union Privilege. All rights reserved.
Union Privilege, 1125 15th St., N.W., Suite 300, Washington, DC 20005
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