The Union Bank Cashback Rewards Visa Credit Card has an offer of $100 bonus cash when you spend $1,000 within the first three months of account opening. The Union Bank Cashback Rewards card is a simple, no-frills credit which offers an unlimited flat rate of 1.5% cash back on all purchases.
Furthermore, those who are Union Bank customers get a 25% reward bonus when you redeem to a Union Bank deposit account, or a 50% reward bonus if you use your cash back towards a Union Bank mortgage payment.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too.
|Chase Business Checking $300 Bonus||Chase Private Client $2,000 Bonus|
|Chase Total Checking® $200 Bonus||Chase SavingsSM $150 Bonus|
|HSBC Premier Checking $450 Bonus||HSBC Premier Checking Up To $600|
|HSBC Advance Checking $200 Bonus||HSBC Advance Checking Up To $240|
|TD Bank Premier Checking $300 Bonus||TD Bank Convenience Checking $150 Bonus|
|Huntington 25 Checking $500 Bonus||Huntington 5 Checking $200 Bonus|
|Huntington Asterisk-Free Checking $150 Bonus||Huntington Unlimited Plus Business Checking $750 Bonus|
|Huntington Unlimited Business Checking $400 Bonus||Huntington Business Checking 100 $200 Bonus|
|Axos Basic Business Checking $100 Bonus||Aspiration Spend & Save Account $100 Bonus|
Table of Contents
Union Bank Cashback Rewards Card Summary
|Bonus Available||Get $100 bonus cash when you spend $1,000 within the first three months from account opening.|
|Ongoing Rewards/Benefits||Earn unlimited 1.5% cash back for every $1 spent on purchases.
25% reward bonus when you redeem rewards into your Union Bank checking, savings, or money market account.
505 reward bonus when you redeem rewards as a principal reduction payment to your Union Bank mortgage.
- No annual fee
- Welcome bonus
- Unlimited rewards
- Relationship bonus
- Good-Excellent credit needed to qualify
- Foreign transaction fees
Editor’s Alternate Pick
The Chase Freedom Unlimited® Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
In addition, you can earn:
• 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
• 5% on travel purchased through Chase,
• 3% on dining at restaurants and drugstores, and
• Unlimited 1.5% cash back on all other purchases.
There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.
This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM.
Union Bank Cashback Rewards Card Bonus Cash Offer
Union Bank Cashback Rewards card offers a $100 bonus cash offer. To qualify, simply charge at least $1,000 to your card within the first three months of opening your account.
Here are some ideas on meeting the spending requirement:
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
Redeeming Union Bank Cashback Rewards
The value of your rewards depends on your redemption options. When it comes time to redeem your Union Bank cashback rewards, you have a couple options in doing so, including:
- Statement credits to your credit card
- Deposits into a non-Union Bank checking or savings account
If you are a current Union Bank customer, you also will have additional redemption options with reward bonuses, including:
- Deposits into a Union Bank checking, savings or money market account (25% bonus)
- Principal reduction payments to your Union Bank mortgage account (50% bonus)
Consequently, your $100 bonus may actually be worth it. Furthermore, Union Bank cashback rewards will not expire.
|Non-Union Bank account deposit||$100|
|Union Bank account deposit||$125|
|Union Bank mortgage payment||$150|
The Union Bank Cashback Rewards card is a good choice for those who already have a relationship with Union Bank, especially if you took out a mortgage with the user. It also offers an unlimited 1.5% cash back on all purchases, so you don’t have to keep track of which categories give you a bigger or smaller bonus.
Consequently, you could also earn more rewards points with the Union Bank Rewards Visa card, for those who are moderate spenders. It offers a higher bonus for mobile wallet purchases, restaurant spending, as well as gas station and grocery store spending.
(Click here to sign up at Union Bank)
What’s The Competition?
Below are some of the top competitors to the Union Bank Cashback Rewards Visa credit card you should consider.
The Chase Freedom FlexSM offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
• 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter!
This card has no annual fee.
The Capital One® Quicksilver® Cash Rewards Card offers a one-time $200 cash bonus after spending $500 on purchases within 3 months from account opening.
You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card.