Rewards & Signature Rewards
Get the features you need most in your credit card with our classic Visa Rewards card.
Need to build or repair your credit? Our Secured Visa card will help you get on the right track.
|Rewards & Signature Rewards||Secured|
|The Basics||The Rewards and Signature Rewards cards earn you points and/or cash back for every purchase you make.
With Signature Rewards, you’ll also have access to additional exclusive VISA perks.
|For those who have no credit or damaged credit, a Secured card can help you jump-start the rebuilding process and earn rewards along the way.|
|Annual Fees||None||$25 per year|
|Rewards||Earn 1 point per $1 purchased. Redeem points for cash back, travel, gift cards, merchandise, and more||Earn 1 point per $1 purchased. Redeem points for cash back, travel, gift cards, merchandise, and more|
Automatic enrollment in ScoreCard Rewards Program
Automatic enrollment in ScoreCard Rewards Program
Qualified Signature cardholders enjoy additional VISA Signature perks you won’t find with our other card.
When you submit an application, you’re applying for an unsecured credit card with Union Bank & Trust, and approval is based on your credit.
The Visa Rewards and Signature Rewards credit cards have the same terms and conditions.
|Secure your credit line with a cash deposit.|
|Interest Rates and Fees||View interest rates and fees||View interest rates and fees|
Stock Up on Essentials
Everything you need, plus six months interest-free*
After that, variable APR 14.00%-20.00%. When it comes to stocking up on summer essentials, a UBT credit card is just what you need — and you can get it all with 0% introductory APR on purchases and balance transfers for six months* when you open a new Rewards or Signature Rewards credit card account before July 31, 2020. That’s 0% on everything you need this summer, plus great benefits like a generous rewards program.
Already a Rewards or Signature Rewards cardholder? From June 5 to July 31, 2020, every purchase and balance transfer you make will qualify for a 0% interest rate** through your February 2021 billing cycle.
We know things are still rocky as our communities focus on reopening. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.
Signature Rewards Card
Offers + perks
Gain access to a wide variety of offers and deals, including travel, food, wine, dining, shopping, sports, entertainment, and more.
When you’re traveling or working anywhere in the world, your covered Visa Signature® card gets you access to a multilingual call center for help — 24 hours a day, 365 days a year.
Help on the road
Benefits like pay-per-use Roadside Dispatch and Auto Rental Collision Damage Waiver help you when you’re traveling on the road.
Lost or stolen card
Call Visa Global Customer Care Services at 800.847.2911 to report your card. They can help you get a replacement, and this also protects you from liability for fraudulent charges.
Emergency cash disbursement
In case of emergency, Visa can arrange a wire cash transfer to your local Western Union within two hours of approval from your bank.
Cardholder inquiry services
Take full advantage of your unique benefits with personalized support from Visa Signature card benefits experts.
Make every purchase count with your UBT credit card
When you use your UBT credit card for lunch at your favorite restaurant or to fuel up for your next road trip, you’re earning points for every dollar you spend. You can redeem your reward points for:
- Cash back
- Gift cards from top retailers
- Travel booking
- And more
Credit card security on the go
These days, keeping your credit card secure is more important than ever. That’s why we’ve partnered with SecurLock to help you take control of keeping your account safe. When you download the SecurLock app, you can:
- Turn your credit card on and off
- Set up real-time transaction alerts
- View transactions
- Authorize certain transaction types for purchases
- Place location controls on in-person purchases
We make it easy to manage your account online, from viewing your account transactions and history to making payments to accessing rewards and more.
Frequently Asked Questions
Yes. When you use your Union Bank & Trust Credit Card you earn one point for every dollar you spend on signature-based purchases. Points can be redeemed for cash back, merchandise, gift cards or travel. To learn more about Scorecard Rewards, call (800) 854-0790.
A debit card allows you access to the money in your checking account. A credit card gives you access to an approved line of credit, and you repay the balance later.
If you are traveling outside of your typical purchasing area we can place travel notes on your cards. You can stop into any branch, speak with Customer Support, or notify us via the Message Center within UBTgo.
We will issue a new card approximately one month before your current credit card expires and will send it to your current billing address. Your current credit card will continue to work until the end of the month in which it expires or, until you activate your new card. We recommend activating your new card immediately, once you receive it. This can be done by calling our card activation center at (866) 444-0083. Please have your new card available when you call.
For additional questions, or if you have not received the replacement as expected, please contact our Credit Card Support at (402) 323-1465, or toll-free (833) 323-1465.
Be sure to shred your old card once the new one has been activated.
Please contact a UBT Credit Card Specialist at 402-323-1465, toll-free at 833-323-1465, and we will be happy to assist you.
As soon as you discover your credit card is missing, call our Credit Card Customer Service center toll-free at (800) 221-5920 to report your card as lost or stolen. You may call 24 hours a day, seven days a week.
Get help from an expert
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*Offer subject to credit approval. Valid on approved Rewards and Signature Rewards credit card applications received between 06/01/20 to 07/31/20. Introductory 0.00% APR for six months from date of account opening on purchases and balance transfers. Balance transfer fees waived on transfers posted during promotion period. After introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. As of 06/01/20, the standard variable APR for purchases is 14.00% - 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After introductory period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies. Member FDIC.
**Valid on existing Rewards and Signature Rewards credit cards. Existing cardholders receive 0.00% APR through February 2021 on purchases and balance transfers posted between the promotion period of 06-05-20 and 07-31-20. Balance transfer fees waived on transfers posted during promotion period. After 07/31/20, the standard variable APR for purchases will be applied to purchases and new balance transfers. Beginning with the March 2021 statement cycle, the standard variable APR for purchases will be applied to unpaid promotion balances. As of 06/01/20, the standard variable APR for purchases is 14.00% - 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After promotion period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies. Member FDIC.