www.unionplus.org – Manage Your Union Plus Credit Card Account

Apply for Union Plus Credit Cards with or without Mail Offer

Union Plus is endorsed and created by AFL-CO. It s a non-profit, consumer-centric organization, focusing on the benefits and financial inclusion of more than 12 million union members and their respective families working in the various organizations of the United States. Under Union Plus, members are eligible to apply for a range of financial products such as credit cards, loans along with other forms of financial assistance. The mission of Union Plus is to improvise the lives of the union members and their families by constantly providing benefits strengthening the ties of the members and funding to the labor movement.

About Union Credit Card Program

Union Plus has introduced Union Credit Card Program enabling the members to apply and enroll for credit cards as per their convenience. If you are a member of the Union or have someone in the family who is a member of Union, you can place an application for Union Plus Credit Card and unlock specialized benefits. Among the cardholders, 91 % have recommended using Union Plus Credit Card as their go-to financial companion. The Union Plus Credit cards are issued by Capital One with pursuant license by MasterCard International Incorporated.

Eligibility Criteria for applying

Each Union Plus Credit Card delivers exclusive savings and discounts which you need most. The eligibility to apply for Union Plus Credit Card is:

• Members of Working America.
• Labour union members of participating unions who are paying dues.
• A retired member of the labor union.
• The family members of the above individuals.

If you belong to any one of the above categories, you are automatically eligible to apply.

Features of Union Credit Cards

A survey conducted in February 2020 via email revealed that out of 6,380 responders, 5,799 responders are ready to recommend Union Plus Credit Card Program to other union members. Several reasons indicate why Union Credit cards stand apart from other available cards. Here are they:

• Avail the option from choosing a wide range of credit cards that suits your need best.
• Credit Cards available for users with a low credit score.
• Competitive Interest Rates.
• Zero Annual Fees.
• In case your cards get stolen, you can avail $0 Fraud Liability.
• Hardship Grants.
• MasterCard Benefits.
• Unlimited rebates and discounts from participating merchants.
• Online account management to pay bills, check balance, set up notifications, and much more.

Types of Union Credit Cards and their respective specifications

These all are the common features that are available to all Union Credit cards. Now based on your credit score, preference, interest rate, fees, and offers, there are multiple credit cards. Check them out:

1. Primary Access Credit Card

• It can be applied with a good credit score.
• Get a chance to build credit with judicious usage.
• Choose flexible payment due dates and pick up the payment date that works best for you.
• Zero Annual Fees.
• Variable APR of 23.24%.

2. Cash Rewards Credit Card

• Avail fixed cashback of 1.5 % on every purchase.
• Enjoy 0% Intro APR for the first 12 months on transfer and purchase. Hereafter it will 12.9%-22.74% variable APR and 3% fee for transfers will be posted back to your credit card account within the first twelve months.
• Zero Annual Fees.
• Requires an excellent credit score.

3. Rate Advantage Credit Card

• Requires an excellent credit score.
• Zero Annual Fees.
• Low-interest rate.
• Enjoy 0% Intro APR for the first 15 months on transfer and purchase. Hereafter it will 10.9%-20.9% variable APR and 3% fee for transfers will be posted back to your credit card account within the first fifteen months.

Please check the detailed terms and conditions from the www.unionplus.org. Check all the criteria very carefully and decide to apply for a suitable credit card. Checking nearer to your credit score would often increase the chance of approval.

Also Read : How To Access My Home Depot Card Account

Application Process (for Pre Qualification and Mail Offer)

If you have finalized the decision, here is the detailed procedure for applying for Union Credit Cards. The process to apply with the Mail Offer is also given for the prospective applicant who has received Mail Offer for Union Credit Card

• Open your browser and visit www.unionplus.org.
• Tap on the Menu icon at the extreme top right of the screen.
• Click on Benefits + Discounts.
• Tap on Money.
• Tap on Credit Card Programs.
• Click on Learn More.
• Scroll down a bit and click on Reply Now beside Received a mail offer
• Enter the 16 digits Reservation Number.
• Type in the 6 digits Access Code. Both the numbers are printed together at the bottom of the offers letter.
• Click on View Next Step to proceed.
• If you haven’t received, a mail offer, you can also check if you are pre-qualified. From the same page, click on See If You Prequalify. Checking pre-qualification will take only 60 seconds with zero impact on your credit score.
• One by one, enter the following info of the prospective cardholder:

1. First Name.
2. MI.
3. Last Name.
4. Date of Birth(mm-dd-yyyy)
5. Social Security Number.
6. Residential Area.
7. Apt/Suite.

• Specify which kind of card is most beneficial for you.
• Check in the tick box of terms and conditions governing the credit card application after going through them.
• Click on See Your Card Offers.
• It will take sixty seconds to display your approval result. If approved, you need to proceed with the application as per the prompts.

Application Process (Without Mail Offer or Pre-qualification)

Those who haven’t received mail offer or haven’t been pre-qualified earlier can always place for more elaborate applications. This process required to be applied if your credit score has been improvised as long as your income but may not have yet been updated in the credit bureau. Please refer to the following steps

• Please refer to the earlier steps and enter the application page (after Learn More step, refer above).
• Choose your desired credit card from the given option.
• Click on the Apply Now button under the chosen card.
• An elaborate summary of the selected credit card is given including rates, fees, and fines.
• Start by entering the Personal Information:

1. First Name.
2. MI.
3. Last Name.
4. Date of Birth(mm-dd-yyyy)
5. Social Security Number.
6. Union.
7. Specify if you are a citizen of the U.S.

• Next, enter the contact information:

1. Residential Address.
2. Apt/Suite.
3. ZIP Code.
4. City.
5. State. (you may add mailing address if it is different from residential address)
6. Active email address.
7. Primary Phone Number.
8. Specify Phone type.

• Mention the Financial Information. Enter the updated and accurate information as it will be a major determinable factor for your approval:

1. Employment Status.
2. Total Annual Income.
3. Monthly Rent/Mortgage.
4. Bank Account Details.
5. Specify if you would like a blank check for a cash advance.

• Please read to the Agreement Terms and agree with them.
• Click on Continue to apply.

Activating Union Credit Card Online Account

Got the card? Time to set up Online account management and unlock numerous features like paying bills, checking account statements, receiving alerts and notifications, e-banking, and much more with few taps. Union credit cardholders require their card information to set up online credit card account:

• Open your browser and visit unionplus.capitalone.com.
• Tap on Set Up My Account.

• Enter the following information:

1. Last Name of Cardholder.
2. Social Security Number/ITI/bank Account Number.
3. Date of Birth (mm-dd-yyyy)

• Click on Find Me.
• Go through the account set up prompts and create account credentials like username and password as per the instructions.
• Complete the online account set up by confirming the data entered.

Logging into the Credit Card Account

Login to the Credit Card Account by:

• Visit unionplus.capitalone.com.

• Select the Country and Language from the top right.
• Type in Username.
• Enter Password.
• You may tap on Remember Me if you are accessing from the personal device.
• Click on Sign In.

Reset Username/Password

To recover the forgotten username and password:

• Visit unionplus.capitalone.com.
• Click on Forgot Username or Password.
• Verify the account by entering the following data:

1. Last Name.
2. Social Security Number.
3. Date of Birth (mm-dd-yyyy).

• Click on the Find Me tab.
• The system will auto-populate your details and prompt you to start the recovery process via the identification method.
• After resetting username or password, return to the login page and access using newly set credentials to confirm the changes.

Contact Information:

Phone

• Union Members must get in touch with their Union Plus Program Provider at 800-472-2005.

Time: 8:30 a.m. – 4:30 p.m. ET, weekdays.

• Union Plus Leader Line

Dial 800-472-2005 or 202-293-5330.

Email

Write at leaders@unionplus.org.

Fax:

202-293-5311.

Mailing Address

Write at:

Union Plus

1100 First Street, NE

Suite 850

Washington, DC 20002

References:

www.unionplus.org

unionplus.capitalone.com