The Best Personal Credit Cards.
Gain travel bonuses. Earn rewards points. Get cash back. Take advantage of lower introductory interest rates. Build your credit. Chose the personal credit card options that work best for you – either way you’ll enjoy the wide acceptance and smart chip security you need. Union Savings Bank Credit Cards are backed by Visa® and American Express®.
Low rates for balance transfers.
Save on interest with an extended introductory rate and pay down your other credit card balances faster.
To build your credit.
Start building (or rebuilding) your credit history1, even if you’ve been turned down for other credit cards. Flexible credit lines based on a security deposit and a low annual fee.
CASH REWARDS AMERICAN EXPRESS®
If cash back is your thing2.
Earn cash back1 on your everyday purchases: 3% on gas3,4, 2% at supermarkets, and 1% on all other eligible net purchases. Plus get $25 cash back1 after your first purchase5.
VISA® REAL REWARDS
If you like to rack up points and get cash back.1
Watch your rewards add up fast with 1.5x points on every purchase5 and redeem for cash back, gift cards, travel and merchandise. Plus get $25 cash back6 after your first purchase.
PREMIER REWARDS AMERICAN EXPRESS®
For your escape plans.
Earn great rewards faster with 4x reward earnings on dining7, 3x on airfare, 2x reward earnings on gas and 1x on everything else4. Plus, get a TSA Precheck or Global Entry statement credit every 5 years when you use your Premier Rewards American Express Card® to pay for the application fee.8
Your Future Starts Now
We can help you focus on your life stage financial planning journey, whether you’re just getting started or well on your way. FutureTrack can help you get thinking, but come in and see us – we’ll discuss your goals and help you reach them.
Get started with a Simple and Secure Checking Account.
Get $25 cash back after your first purchase with a USB Credit Card.
1 Late payments and going over the credit limit may damage your credit history.
2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
3 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
7 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
8 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
9 Cardmember will receive a bonus of 5,000 points upon first purchase, which is in addition to the standard 2,500 points awarded after first purchase, for a total of 7,500 initial points. In order to qualify, the first purchase must be made by November 30, 2018, and the account must be opened between August 1, 2018, and September 30, 2018. The account must remain open, have available credit and be current (no minimum payment past due) at the time the bonus is to be awarded. This offer is valid only for new Visa Real Rewards consumer accounts with this Financial Institution and the application must be submitted through a branch office or call center. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. The 2,500 “standard” bonus points and the 5,000 “special” bonus points may be awarded in separate billing cycles.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.