The Union Plus Credit Card Program from Capital One

secure

Built for Union Members.
Backed by Union Members.

AFM Credit Card

Giving union members peace of mind with hardship grants.3

All Cards Include:

  • $0

    Annual Fee

  • 24/7 U.S.-Based Phone Customer Service1

  • $0 Liability for Unauthorized Charges

    if your card is ever lost or stolen2
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Find out if you’re eligible for card offers with no risk to your credit score.

See if I’m Pre-Approved

All cards include these features and benefits:

  • Whichever card you choose, after 3 months as a cardholder, you may be eligible for hardship grants. All grants approved for eligible cardholders are paid by check and you never have to pay them back.

    Disability Grant: $1,600-$2,700

    Helps eligible cardholders who have lost significant income from a long-term illness or disability.

    Hospital Grant: $1,200

    Aids eligible cardholders with large, unreimbursed hospital expenses.

    Job Loss and Furlough Grants: $500

    Help eligible cardholders who have recently been laid off or furloughed.

    Strike Grant: $500

    Provides assistance to eligible cardholders who are on a union-sanctioned strike or experiencing a union-sanctioned lockout.

  • AT&T Rebates from Union Plus
    Discounts with Teleflora from Union Plus
    Avis and Budget discounts from Union Plus automatically applied if you pay with your card
    Learn more about the benefits available to Union Plus Credit Cardholders
  • Identity Theft Resolution Services:

    Provides you with access to a number of Identity Theft Resolution Services, should you believe you are a victim of identity theft.

For more information or to apply over the phone:

1-800-522-4000

Cardholder reviews

92% of cardholders surveyed recommend Union Plus Credit Cards.6

  • I use [the Union Plus Credit Card] for large purchases. I also like that the union backs it…
    David H.
    IAFF
  • I also have a Union Plus Credit Card and have carried it since 2005. It has great rates, which is what I’m interested in.
    Robert H.
    CSEA
  • I can’t say enough about how good it’s been to have benefits [of the Union Plus Credit Card program]. You just don’t see that on any other cards.
    Roger H.
    USW
  • I thought I should get a credit card through Union Plus since they care about people in the union. I’ve also been extremely satisfied with the customer service I’ve received.
    Theresa H.
    APWU
See reviews

Which Credit Level Best Describes You?

Excellent Credit

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late for any credit card, medical bill, or loan in the last year.

AND

I have had a loan or credit card for 3 years or more with a credit limit above $5,000.

If you have Excellent credit, one of these cards may be right for you:

Cash Rewards Card
Apply now

Rate Advantage Card
Apply now

Good Credit

I have defaulted on a loan in the past 5 years.

OR

I have limited credit history. I have had my own credit card or other credit for less than 3 years.

If you have Good credit, this card may be right for you:

Primary Access Card℠
Apply now

Rebuilding Your Credit?

I have defaulted on a loan more than once.

OR

I have been declined for a credit card in the past 3 months.

If you are Rebuilding your credit, Union Plus offers a number of tips and tools that can help you as you work to improve your credit standing and look to gain access to credit.

Get the Tools

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility.

Credit approval required for all products

Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 17.15%, 23.15%, or 26.99% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.

Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; 15.15%, 21.15%, or 25.15% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open.

Primary Access Purchase APR: 27.49% variable APR. Transfer APR: 27.49% variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.

Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR 28.24% variable. Variable APRs as of 12/31/2024 will vary with the market, based on the Prime Rate. Cash Advance Fee: greater of 3% of each cash advance amount or $3.

1Routine or unscheduled maintenance may impact accessibility. U.S.-Based Phone Service subject to calling the phone number on the back of your Union Plus credit card and following the prompts.

2Claims of unauthorized use are subject to verification and investigation.

3Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan ("The Plan"). Grant amounts can range from $500 to $2,700 and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply, including (but not limited to):

  • A Cardmember may only receive a grant if their Union Plus Credit Card Account was in good standing at time the loss event occurred.
  • A Cardmember may only receive three grants of each grant type for each Union Plus Credit Card Account per their lifetime, but no more than one grant of each grant type per year.
  • A Cardmember may only receive one grant of each grant type for any unique loss event, even across multiple accounts.
  • A Cardmember may only apply for loss events that occurred at least 3 months after becoming a Cardmember.

Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330. Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A.

4Certain restrictions apply for Union Plus discounts. For details, visit unionplus.org/cardperks.

5Certain terms, conditions, and exclusions apply. Contact 1-800-Mastercard (1-800-627-8372) for complete terms and conditions.

6Email survey of Union Plus Credit Cardholders conducted in February 2023 by Union Plus. 4,471 responders; 4,113 answered "Yes" when asked, "Would you recommend the Union Plus Credit Card Program?"


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The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Mailing address: PO Box 30285, Salt Lake City, UT 84130-0285.

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