Full Review

Solid rewards. The Capital One Union Plus Credit Card offers a competitive 1.5% Cash Back on all purchases. That's in the ballpark of what the best cash back credit cards will give you, but most of those offers either have an initial bonus or a slightly higher ongoing earning rate.

Union pride and hardship grants. You shouldn't put too much stock in the Union Plus Credit Card's branding, considering that other credit cards allow you to customize your card's image. But the most interesting part of the Union Plus Credit Card is the fact that you will become eligible for $300 to $2,700 in "hardship" grants if your account is in good standing after three months. You can learn more about these grants and their eligibility requirements here.

No annual fee. The best cash back credit cards don't charge annual fees. So in that sense, the Union Plus MasterCard is in the conversation. This also makes it easier to justify keeping the card open just for the hardship grants.

Above-average interest. The average credit cards for people with good and excellent credit charge 19.24% and 12.99%, respectively, according to WalletHub research. So you're bound to overpay if you carry a balance from month to month on this card.

Plenty of other options. If you have the good or excellent credit needed to qualify for the Union Plus Credit Card, you're also likely to get approved for some of the market's best rewards credit cards. That's important to keep in mind even if you do apply for the Union Plus Card, especially if you want it mainly for the protection provided by its hardship grants. If you don't know where you stand, you can check your credit score for free on WalletHub.


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Union Plus Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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How to Apply For Union Plus Credit Card
OnlineSearch for the official websiteFollow the requirement and entry the needed messages.By PhoneApply over phone by calling 1-800-522-4000Questions about Application Status 1-877-277-0948

How to Get the Most Out of Union Plus Credit Card
Boost your credit scoreDon't carry a balanceDon't pay an annual fee

Union Plus Credit Card
The Union Plus Primary Access from Capital One Card is an unsecured credit builder credit card that rewards AFL-CIO union members for their responsible use of credit. Cardholders receive a credit limit increase after making their first five monthly payments on-time.
Union Plus Credit Card

The Rewards of Union Plus Credit Card
RewardsEarn 1.5% cash back on all purchases with no limit to the amount you can earn.Get rebates and discounts on AT&T, Teleflora, Union Plus Motor Club and Car Rentals.

Union Plus Credit Card Payment
You can make a Union Plus Credit Card payment online, by mail, through the Capital One mobile app, or by phone. OnlinePaying online or with the app is the easiest way to do it. Simply log in on the Capital One mobile app or the Union Plus Capital One portal here, and find the payments section.