PLEASE NOTE:  If you apply for the Union Bank® Visa Rewards Card and meet our eligibility criteria for the Visa 
Signature® Card, you agree that we may consider your application as one for (and upgrade you to) the Union Bank ® Visa 
Signature® Rewards Card. 
Interest Rates and Interest Charges 

Summary of Credit Terms 

Annual Percentage Rate 
(APR) for Purchases 

14.99% to 24.99%, based on your creditworthiness.  This APR will vary 

with the market based on the Prime Rate. 

APR for Balance Transfers  0.00% introductory APR for the first 12 billing cycles that your Account is open. 

After that, your APR will be 14.99% to 24.99%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

26.25%. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

Up to 29.99%, based on your creditworthiness.  

This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you: 

1) Make a late payment; 
2) Make a payment that is returned; or 
3) Exceed your credit limit. 

How Long Will the Penalty APR Apply? If your APRs are increased for any of 
these reasons, the Penalty APR may apply indefinitely. 

Your due date is at least 21 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month. We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Paying Interest 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.75. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

None 

Transaction Fees 

  Balance Transfer 

  Cash Advance 

Introductory fee of either $10 or 3% of the amount of each transfer, whichever is 
greater, for balance transfers made in the first 12 billing cycles.  After that, either $10 
or 5% of the amount of each transfer, whichever is greater. 
Either $15 or 5% of the amount of each cash advance, whichever is greater. 

  Foreign Transaction 

3% of each transaction in U.S. Dollars. 

Penalty Fees 

  Late Payment 

Up to $37. 

  Over-the-Credit Limit 

None 

  Returned Payment  

Up to $35. 

SEE BACK OF PAGE for more important information about your account. 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."   

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

The rates in this table may have changed since the table was last updated. 

Page 1 of 5 

 
  
NEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone at 1-800-342-
3736 or visit its website at http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace 
periods. 

ADDITIONAL TERMS & CONDITIONS 
If  an  account  is  opened,  you  will  receive  a  Cardmember  Agreement  with  your  card(s).  You  agree  to  the  terms  of  this 
agreement by: using the account or any card, authorizing their use, or making any payment on the account.  We have the 
right  to  change  the  account  terms  (including  the  APRs)  in  accordance  with  your  Cardmember  Agreement.  We 
reserve the right to change the benefit features associated  with  your card at any time. Complete Terms and Conditions 
will be provided to you when you become an approved Cardmember. Cards are issued and serviced by Union Bank Card 
Services, a division of MUFG Union Bank, N.A. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight 
the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, 
verify, and record information that identifies each person (including business entities) who opens an account. What this 
means for you: When you open an account, we will ask for your name, physical address, date of birth, and other 
information that will allow us to identify you. We may also ask for other identifying documents. We will let you know if 
additional information is required. 

CREDIT REPORT AUTHORIZATION: You authorize us to obtain credit bureau reports that we will use when considering 
your application for credit. You also authorize us to obtain credit bureau reports and any other information about you in 
connection with the extensions of credit on your account and the administration, review or collection of your account. If 
you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you. You also 
authorize us to verify your employment, income and other relevant information. 

COMMUNICATION AUTHORIZATION: By providing us with your residential phone number or cell phone number, you 
agree that we (including companies working on our behalf) have your permission to contact you at the number provided 
about any of your Union Bank accounts, and that we may use text messaging, artificial or prerecorded voice messages 
and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. 
Message and data rates may apply. 

ARBITRATION NOTICE: If you are issued a credit card, your cardholder agreement will contain a binding arbitration 
provision.  In the event of any dispute relating to your account, the dispute will be resolved by binding arbitration pursuant 
to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive the right to go to 
court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be 
waiving any right to a jury trial and you also would not have the right to participate as a part of a class of claimants relating 
to any dispute with us. Other rights available to you in court may also be unavailable in arbitration. When you receive your 
cardholder agreement, you should read the Claims and Arbitration of Disputes provision in your agreement carefully and 
not accept or use the Card unless you agree to be bound by the arbitration provision. 

BALANCE TRANSFERS: You authorize us to make one or more of the balance transfers that you have requested from 
credit card accounts or other types of accounts with other financial institutions. All balance transfer requests are subject to 
our approval; we are not liable if we do not make a requested balance transfer. We reserve the right to make balance 
transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less 
than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less 
than you requested or we may decline the entire request. In addition, transfer requests that are incomplete, illegible or 
requested to cash, to yourself or to another account with us or one of our affiliates need not be processed. You should not 
transfer any amount that is in dispute in order to preserve your dispute rights. When you transfer a balance from another 
account, we send a payment in the amount of the balance transfer to the other financial institution.  We have no control 
over, and are not responsible for, how and when the other financial institution applies the payment. You are responsible 
for verifying that the other financial institution applies the balance transfer payment in accordance with your other 
account’s terms. You should continue to monitor the other accounts that you request a transfer balance to and you should 
continue to pay the minimum payments due on those accounts until you receive statements from those creditors showing 
that the balances due them have been paid in full. This might not happen until after the balance transfer appears on your 
billing statement from us. You are liable for any late payments, finance charges or disputed amounts on your other 
accounts.  We do not send instructions to the other financial institution to close your other account. If you want the other 
account to be closed, you must do that yourself.  Balance transfers are subject to applicable fees and finance charges and 
do not have the benefit of a grace period. If you take advantage of a balance transfer offer and continue to use the 
credit card to make purchases, you will lose the interest-free grace period on the new purchases unless you pay 
the entire statement balance, including the amount subject to the promotional APR, by the payment due date. 

Page 2 of 5 

 
 
 
 
 
 
OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD: If your card application is approved, you 
can choose to enroll in overdraft protection by speaking to a branch representative. By enrolling in Overdraft 
Protection Linked to a Union Bank Credit Card, you understand and agree that any day in which transactions are 
presented for payment against your eligible linked Union Bank checking account for the purposes of covering transactions 
(including transfers between checking, money market, and savings accounts) presented for payment against insufficient 
funds, Union Bank will advance funds from your linked Union Bank credit card. We will not authorize transactions 
requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card purchases, and cash withdrawals in a 
Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are 
insufficient Available Funds in the linked checking account, the transaction will be declined. Activation of the Overdraft 
Protection service may take up to 5 Business Days following the approval of a new credit card account; for customers with 
an existing open credit card account, it may take up to 5 Business Days from the initial request to enroll in the Overdraft 
Protection service.  

Each Business Day that we determine that your linked checking account is overdrawn by any amount, you authorize us to 
make an Overdraft Advance (equal to a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked 
checking account overdraft, as determined by us. For example, if we determine that your linked checking account is 
overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance of $150 from your 
Union Bank credit card for deposit to your linked checking account. We will make advances only once each Business Day.  

Advances will only be processed if at least one Item can be covered by the advanced amount. Any negative balance from 
a previous Business Day will not trigger an advance unless another eligible Item is presented for payment and there is a 
sufficient Available Balance on the credit card account to cover at least that additional Item. If you do not have sufficient 
Available Funds in your credit card account to cover all Items, your linked checking account will be subject to Overdraft 
Fees for any uncovered Items. The total advance amount will appear on the linked checking account statement each day 
an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have 
a common Owner. If your linked checking account is changed to a closed status for any reason, we may terminate the 
Overdraft Protection link to the credit card account without notice.  

Overdraft advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category 
on your credit card monthly statement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 
14.99% to 24.99% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate. No 
grace period will apply when calculating finance charges for overdraft advances. If your linked checking account is 
changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank 
Credit Card service without notice.  You may cancel this service at any time. 

Some accounts may not be eligible for Overdraft Protection Linked to a Union Bank Credit Card. For more information, 
see our All About Personal Accounts & Services Disclosure and Agreement.  

WASHINGTON STATE RESIDENTS: Washington state law against discrimination prohibits discrimination in credit 
transactions because of race, creed, color, national origin, sex, or marital status. The Washington State Human Rights 
Commission administers compliance with this law. 

CALIFORNIA RESIDENTS:  A married applicant may apply for a separate account.  Additionally, we may obtain 
information at any time from the California Department of Motor Vehicles. You agree to waive the address confidentiality 
requirements section of the California Vehicle Code (Section 1808.21). 

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law. 

NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement 
or court decree adversely affects our interests and/or rights unless, prior to the time the credit is granted or an open-end 
credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge 
of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and 
address of their spouse to Union Bank at P.O. Box 51442 Los Angeles, CA 90051.   

MILITARY LENDING ACT: Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed 
Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as 
applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary 
products sold in connection with the credit transaction; any application fee charged (other than certain application fees for 

Page 3 of 5 

 
 
 
 
 
  
 
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account). 

Additionally, if any clause in your account agreement with us conflicts with the federal law protections afforded to 
members of the Armed Forces, including any provision related to mandatory arbitration, federal law will prevail. 

If you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666. 

REWARDS PROGRAM TERMS AND CONDITIONS  

The following is a summary of certain key terms and conditions for the Union Bank Rewards Program.  The complete 
terms of the program are available at www.unionbank.com/rewardsdetails. You will receive complete terms and conditions 
with your account opening materials if your application is approved.   

EARNING POINTS: You earn points by making “Net Purchases” with your credit card.  You will earn 1 point per $1 of all 
new eligible Net Purchases charged to the card each billing cycle. You will earn 2 points (consisting of 1 base point and 1 
bonus point) for the first $6,000 of Net Purchases made during each calendar year at Grocery Stores.  A “Grocery Store” 
is a merchant with the merchant category code (MCC) for “Grocery Stores” or “Supermarkets” (MCC 5411), “Dairy 
Product Stores” (MCC 5451), “Bakeries” (MCC 5462), “Misc. Food Stores (convenience stores and specialty markets)” 
(MCC 5499).  Merchants are assigned a merchant category code by payment card processors based upon the merchant's 
primary line of business. We do not determine the MCC for a merchant. Whether a transaction is eligible for bonus points 
depends on the MCC actually assigned to a merchant. Purchases processed through merchants that do not process 
transactions under the eligible MCC and purchases processed through third-party payment accounts (e.g. PayPal) will not 
qualify to receive bonus rewards.  Please note that superstores, discount stores and warehouse clubs are not included in 
this list; grocery purchases at these merchants will not earn bonus points.  Net Purchases at these merchants, including 
Net Purchases for grocery items, will earn only 1 point per $1.00 in Net Purchases.  After you make $6,000 in Net 
Purchases at Grocery Stores in a calendar year, you will earn 1 point for each $1.00 in Net Purchases that you make at 
Grocery Stores for the remainder of the calendar year. 

“Net Purchases” are authorized, new purchases posted to the Account on or after the day you activate your credit card 
Account, excluding disputed billing items and items that are subsequently subject to a refund or credit (such as for 
returned merchandise). Points that have been awarded may be deducted if, after points are awarded, purchases are 
subsequently subject to a refund, credit or dispute.  Net Purchases do not include: (a) annual fees, finance charges and 
other fees or charges posted by us to the Account; (b) cash advances (including but not limited to cash received over the 
amount of Purchases charged to the Account, purchases of money orders or other cash equivalents) or special check 
transactions; (c) balance transfers; (d) overdraft advances (e) charges for other products, services, or benefits that we 
provide (such as credit insurance premiums); or (f) other transactions that we determine not to be eligible. With regard to 
the points earned under the Program, point awards are not earned until they appear on the Account statement. We 
reserve the right to retroactively correct errors made in point awards. We are solely responsible for determining which 
transactions are eligible for point earnings and our determination is final. 

Points you earn during the billing cycle will be added to your points account within seven days after the end of the billing 
cycle. 

You will also EARN 2,500 bonus reward points following your first Net Purchase.  This 2,500-point bonus will post to 
your rewards point balance within 8 weeks after your first Net Purchase. 

POINT REDEMPTION: You may redeem points for the following “Rewards”: 

  For merchandise, gift cards/certificates, travel (airline, hotel and car rental), and Promotional Redemptions 

(defined below) based on the point redemption value associated with the Reward, which may vary depending 
on the Reward; 

  For a statement credit to your card Account at a rate of 1 cent per point; 
  For cash back into a Union Bank checking or savings account at a rate of 1.25 cents per point; 
  For a principal reduction payment to your Union Bank mortgage account at a rate of 1.50 cents per point.   

You must have a Union Bank checking account, savings account, or residential mortgage account in an open status with 
Union Bank to qualify for the point redemption values referenced above.  

Page 4 of 5 

 
 
 
 
 
 
 
 
 
When you redeem points for a statement credit to your card Account, the statement credit is treated as an additional 
payment on your Account. You are still required to make your regular monthly Account payments as indicated on 
your monthly statements. Statement credits will post to your card Account within 5 days. It may not appear on your 
monthly statement for 1 billing cycle. 

When you redeem points for cash back to a Union Bank checking or savings account, the deposit will post to your 
checking or savings account within 5 business days. It may not appear on your monthly statement for 1 billing cycle. 

When you redeem points for a principal reduction payment to your Union Bank mortgage account, the payment will be 
applied as an extra principal payment and will not count toward your regular monthly payment. You are still required to 
make your regular mortgage account payments as indicated on your monthly statements. Principal reduction 
payments will post to your mortgage account within 5 business days. It may not appear on your monthly statement for 1 
billing cycle. 

We may also provide additional redemption options from time to time (“Promotional Redemptions”).  Promotional 
Redemptions are offered solely in our discretion, are not guaranteed, and are subject to any limits that we may impose.  
Promotional Redemptions may be withdrawn at any time without notice.   

The amount of points redeemed for a Reward will be subtracted from your point balance. We may, in our discretion, set a 
minimum or a maximum number of points that you may redeem in a single transaction.  We may adjust this amount from 
time to time.  We also may require that redemptions occur in round increments that we will set in our discretion from time 
to time.  All Rewards are subject to availability. We may withdraw, change or replace any Reward item. We may also 
change the number of points required to redeem a Reward, at any time and without prior notice to you. All redemption 
transactions are final. There are no refunds, exchanges, replacements or conversions for currency, credits, points, or 
Rewards. Point redemptions for Rewards may be subject to shipping, handling or other fees, and shipping restrictions 
may apply. 

The merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-
sponsors of the Program.  All trademarks are the property of their respective owners. The merchants’ terms and 
conditions apply to their respective gift cards/certificates, merchandise and/or services. Upon receiving your Rewards, see 
each merchant’s specific terms and conditions for complete details, which are subject to change by the merchants at their 
sole discretion from time to time, subject to applicable law. 

POINT EXPIRATION: Points are redeemed on a first-in, first-out basis and points will expire on or after the third 
anniversary of when they were awarded. 

CHANGES: We reserve the right to change these Terms and Conditions and to limit, modify, delete or otherwise change 
any aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to 
suspending or terminating all or part of the Program, with or without prior notice (except where required by law). Changes 
may have a retroactive effect. Point redemption amounts may change at any time. 

DISQUALIFICATION / TERMINATION: If the Account does not remain in good standing, you will not earn future points, 
cannot redeem points, and you will forfeit any accumulated points previously awarded.  An Account is in good standing 
when no event has occurred that allows us to require immediate payment of your entire balance under the Cardmember 
Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, 
providing us false or misleading information, or violating the Cardmember Agreement or any other agreement with us. 

We reserve the right to disqualify or remove any person or Account from participation in the Program, refuse to award or 
redeem points, or close your Account at any time, for any reason including, but not limited to, your Account being inactive 
(as such term is defined by us from time to time). If such a disqualification is temporary, it may result in the forfeiture of 
any accumulated points. If such a disqualification is permanent, it will result in the forfeiture of any accumulated points. 
Closing your Account (by you or by us) will result in the termination of your enrollment in the Program and any 
accumulated points will be forfeited. 

        Union Bank Rewards Visa Card – Web 10/17 

Page 5 of 5