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Union Plus Secured Credit Card

Secured Credit Card

The Union Plus Secured Credit Card Difference:

  • Special credit card for those with poor credit or little/no credit history to help establish or re-establish credit
  • Only Union Plus Credit Cards offer special financial hardship protections, including a disaster relief fund and disability grants
  • All customer service calls answered in United States
  • Special union member advocate helps union members with issues/concerns not resolved by bank
  • Credit card provider helps fund the Union Plus Scholarship
     

Apply now

Download this PDF application

Or call 1-800-651-5108

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Start with a clean slate.

 

Good news for union members who have little/no credit history or poor credit: The Union Plus Secured Credit Card offers an opportunity to establish or re-establish a clean credit record - and it's a better deal than other secured credit cards, which often charge high annual and other fees.

The card is granted to approved members who make a deposit in an interest-bearing savings account. After 18 months of on-time payments, members are eligible to be reviewed for the regular Union Plus Credit Card.

 

Secured Credit Card Features

  • The Union Plus Secured Credit Card gets reported to the credit bureau as a regular credit card, so other creditors who review your credit will see that you were issued a major credit card - meaning you can build or repair your credit report
  • Deposit anywhere between $250 and $5,000 in an interest-bearing Secured Credit Card savings account, then charge against this line of credit every month.  Make sure to pay at least your minimum payment on time each month to build your credit.
  • No application fees
  • A competitive variable Annual Percentage Rate (APR)
  • A low annual fee
  • Eligibility to be considered for the regular Union Plus Credit Card after 18 months of on-time payments

Credit Education

Credit Education 101: Read these credit education tips to understand how credit works and if necessary, how to improve your credit score .
 

Eligibility

The Union Plus secured credit card program is available in the Unites States and territories. It is not available in Canada.

Who is eligible?

  • All dues-paying labor union members
  • Retired union members
  • Spouse, domestic partner and children of union members
  • Widows/widowers of union members

Customer Service

  • All Union Plus Credit Card Customer Service calls answered by representatives in the United States.   The card’s 24-hour personal customer service is available online or by phone (see numbers on the Union Plus Credit Card site).
     
  • Union member advocates: Staffed by fellow union members, Union Privilege can provide extra help to  Union Plus Credit Cardholders. To contact Union Plus advocates about concerns, please complete the Union Plus feedback form.
     
  • You can access your online account management on unionpluscard.com to manage your Union Plus Credit Card account, view statements or even pay your bill online.

Member Comments

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Union Plus benefits are for union families. Select your union and you’ll see the Union Plus programs your union offers. Why?

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Most AFL-CIO and Change-to-Win unions participate in most Union Plus benefits, but some international unions elect not to offer all the programs. So in order to access all of the programs your union participates in, select your union from the drop down menu.

You can start using your union’s Union Plus benefits today! (No membership in Union Plus or the Union Plus Credit Card is required.)

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Union Plus Credit Card

Union members are automatically eligible for their union's Union Plus benefits and you do not need to be a Union Plus Credit Cardholder in order to access your union's Union Plus benefits.

But - if you are a Union Plus Credit Cardholder, you could be eligible for additional discounts.

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  • Not a union member? Find out how to join one.
  • Help if you do not know your union

    Help if you don’t know your union

    Your union membership dictates which Union Plus benefits you are eligible to use.

    1. What your national union’s name (not just your local number)? Scroll through the list we have to see if you recognize your union.
    2. What type of work do you do (select your occupation)?
    3. Do you have a union member card or union publication/letter that shows the name of your union? Find something with the name of your union, not just a local number.
    4. Is there a shop steward or work colleague you can ask what the name of your union is? You can even ask your human resources department to tell you the full name of your union?
    5. Do you have a Union Plus Credit Card? If so, the name and logo for your international union should appear on the front of the card.
    .

Related Union Plus Programs

Credit Score Discount

Credit Score Discounts
Credit Counseling

Consumer Credit & Budget Counseling

Facing credit problems?

Read Credit Education 101

Union Leader Materials

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Copyright ©2012 Union Privilege. All rights reserved. Union Plus benefits are for participating union members, retirees and their families.

Union Privilege, 1125 15th Street, NW, Suite 300, Washington, DC 20005