THE UNION PLUS CREDIT CARD PROGRAM from Capital One SECURE BUILT FOR UNION MEMBERS. BACKED BY UNION MEMBERS. Giving union members peace of mind with hardship grants.1 ALL CARDS INCLUDE: $0 Annual Fee 24/7 U.S.-Based Phone Customer Service $0 Fraud Liability if your card is ever lost or stolen2 Choose the card that's right for you. Good Credit PRIMARY ACCESS $0 ANNUAL FEE BUILD YOUR CREDIT through responsible use. Enjoy flexible payment due dates so you can choose the date that works best for you; 23.24% variable APR. Apply Now Terms & Conditions Excellent Credit RATE ADVANTAGE LOW INTEREST RATE + $0 ANNUAL FEE 0% Intro APR for the first 15 months on purchases and transfers; 10.9%-20.9% variable APR after that; 3% fee for each transfer that posts to your account within the first 15 months. Apply Now Terms & Conditions Excellent Credit CASH REWARDS 1.5% CASH BACK ON EVERY PURCHASE + $0 ANNUAL FEE 0% Intro APR for the first 12 months on purchases and transfers; 12.9%-22.74% variable APR after that; 3% fee for each transfer that posts to your account within the first 12 months. Apply Now Terms & Conditions All cards include these features and benefits: Hardship Grants 1 Rebates & Discounts Mastercard® Benefits 3 For more information or to apply over the phone: 1-800-522-4000 Cardholder reviews 89% of cardholders surveyed recommend Union Plus Credit Cards.4 I use [the Union Plus Credit Card] for large purchases. I also like that the union backs it… David Harlow IAFF I also have a Union Plus Credit Card and have carried it since 2005. It has great rates, which is what I’m interested in. Robert Hessler CSEA I can’t say enough about how good it’s been to have benefits [of the Union Plus Credit Card program]. You just don’t see that on any other cards. Roger Hartwell USW I thought I should get a credit card through Union Plus since they care about people in the union. I’ve also been extremely satisfied with the customer service I’ve received. Theresa Heathington APWU SEE REVIEWS Credit approval required for all products Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 12.9%, 18.9%, or 22.74% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open. Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; 10.9%, 16.9%, or 20.9% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open. Primary Access Purchase APR: 23.24% variable APR. Transfer APR: 23.24% variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR. Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR: 23.99% variable. Variable APRs will vary with the market, based on the Prime Rate. Cash Advance Fee: greater of 4% of each cash advance amount or $10. 1 Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan (“The Plan”). Grant amounts can range from $500 to $2,700 and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply, including (but not limited to): A Cardmember may only receive a grant if their Union Plus Credit Card Account was in good standing at time the loss event occurred. A Cardmember may only receive three grants of each grant type for each Union Plus Credit Card Account per their lifetime, but no more than one grant of each grant type per year. A Cardmember may only receive one grant of each grant type for any unique loss event, even across multiple accounts. A Cardmember may only apply for loss events that occurred at least 3 months after becoming a Cardmember. Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330. Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A. 2$0 Fraud Liability claims are subject to investigation and verification. 3Certain terms, conditions, and exclusions apply. Contact 1-800-Mastercard (1-800-627-8372) for complete terms and conditions. 4Email survey of Union Plus Credit Cardholders conducted in February 2021 by Union Plus. 6,921 responders; 6,183 answered “Yes” when asked, “Would you recommend the Union Plus Credit Card Program?” All trademarks or trade names are properties of their respective owner. The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Mailing address: PO Box 30285, Salt Lake City, UT 84130-0285. This site provides information about and access to financial services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A. © 2021 Capital One. Capital One is a federally registered service mark. All rights reserved. Home Help Center Privacy and Security Terms of Use Accessibility