Bad Credit and in a Union? The Union Plus Card Was Made For You!

The unionpluscard is a rather new card that was created by Capital One to offer a ton of benefits to cardholders who belong to a union. With this credit card, you can even sign up for benefit alerts to find out about a ton of extras like:

Scholarships

Discounts

Financial services offered to you

Whats great about unionpluscard?

Because it was specifically created to benefit union workers, which means the benefits are catered to you! Capital One realizes that union workers (and everyone else) sometimes have a hard time paying bills. This is why they offer benefits like saving 15% on your AT&T bills, access to coupons and even the option to sign up for text message or email alerts with more discounts that can help around the house and help with your next billing cycle.

AFL-CIO Endorsed

Did you know that the unionpluscard is the only card that is fully endorsed by the AFL-CIO, Americas leading union organization? That means that its specifically made for union workers and upheld on a pedestal in the world of credit. More than 2 million union members currently use the Union Plus Card, which says a lot about its integrity.

Educational Resources

When you sign up for a unionpluscard, youll be granted access to educational resources, which is amazing for those wanting to save money or gain more knowledge in the field of their current craft. Within these resources, youll have access to prep courses, online degree programs and even scholarships.

Union Plus Bill Pay

Sometimes, credit cards offer a terrible system for billing cycle payments. Thanks to the unionpluscard, you dont have to worry about that. With their online bill pay service, you can schedule payments up to 90 days in advance, or pay the night before. They also offer:

AutoPay

Pay what you can

Billing notice 6 days before payment due

When you opt in for the 6 day pre-posted payment method option, you dont have to worry about forgetting to pay your bill. Companies like Sprint often send the next bill 3 weeks in advance, confusing customers on when they should pay and for which month; some even forgetting they had to pay, but with Union Plus, youre sent your bill 6 days before the payment is due. You can even post your payment on the same day if it is paid before 8:00 PM EST!

More benefits, please!

Want more out of your alerts? With the unionpluscard, youre able to schedule email and mobile alerts and monitor your activity.

Email/mobile alerts available:

Payment due dates

Payments received

Monthly statements

Recent transactions

Credits and refunds

Large purchases

Unusual activity

Cash advances available

Personalized offers and discounts

Pros to the unionpluscard:

Ability to apply for the Union Plus Scholarship Program

Ability to apply for the Union Plus Loan Program

Credit lines anywhere between $500-$15,000

Limited foreign transaction fees (great for vacations!)

Allowance of 2 skipped payments without any penalty against cardholder

No annual fees!

Membership features

If these werent enough for you to try and apply, there are other membership features for cardholders. But first, you have to have an account in good standing for 3 months. Typically, these benefits are not available for normal credit cards, but for the unionpluscard, they want you to have the best.

Have you lost your income due to an illness or disability? The unionpluscard offers disability grants, job loss grants, hospital grants and even strike grants. These grants range from $300 to upwards of $2,700.

Job loss grants - $300

Strike grants - $300

Hospital grants - $1,200

Disability grants upwards of $2,700

The Union Plus Card even offers disaster relief grants for those who have been affected by natural disasters and their current work cannot completely support the repairs or extras. This grant is typically $500.

The downside of the unionpluscard

But with a great credit card with lots of pros, there are some cons to having this card. But even with those cons, youre able to avoid with careful monitoring of your card and careful usage.

There are only a few cons to this card, but it makes the benefits much more worthwhile.

Interest rates are skyrocketed up to 23%

Balance transfer fees are typically 4%, while other competitors are only 3% and lower

If you want to take out a cash advance, the APR can be seen as extremely high

These may deter you from actually signing onto using the credit card, but if youre in a union, we know you love security. With a card like the unionpluscard, youre able to have security by using it for emergencies and raking in the benefits from it.

But wait! Theres more.

When you regularly use a Union Plus Card, you also gain access to travelers insurance, discounted entertainment and more coupons than you could ever imagine. We know weve told you about the coupons already, but did you know that the travelers insurance could give you up to $100,000 in case of emergencies? These types of emergencies include accidents, cancellations (just in case your husband got sick before the flight!), medical emergencies and much more.

You can also earn points for using the convenience store near your house. These benefits are all free, of course. The Union Plus Card gives life back to those who have to work extremely hard for the life they want. With so many discounts, you wont have to work yourself to death anymore and you can save real money for paying off other bills!

Final thoughts

If you use it wisely, you will have no problems with the cons. If youre a new union worker who wants to build credit, this is a great card to do so. Over 2 million union members currently use this card with satisfied reviews. According to Card Hub, there are hundreds of reviews that average a 4 star rating out of 5 for the Union Plus Card. The greatest part about this card is that the company gives jobs to workers within the U.S, allowing them to be in a union. There is 24/7 customer service available for cardholders in the United States.