FREQUENTLY ASKED QUESTIONS
Am I eligible for the Union Plus Credit Card?
To be eligible for a Union Plus Credit Card you must be a current member in good standing of a participating union, a retired union member, or a family member of a current union member in good standing of a participating union, or a member of Working America, who reside in the 50 United States, Washington, DC, or a U.S. Military location. Credit approval required. Terms and conditions apply.
List of Participating Unions and Groups (as of 8/1/2024)
*Note those where family members of union members are not eligible.
How do hardship grants work?
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. To learn more or apply, go to https://www.unionplus.org/benefits/hardship-help
How do I manage my Union Plus Credit Card?
There's multiple ways to manage your account including:
Online Access
Download the Capital One Mobile App
24/7 US-based customer service by calling 1-800-522-2580
WE'RE HERE TO HELP
Call us for more information or to apply
24/7 U.S.-Based Phone Service Support
1-800-522-4000Credit 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% - 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% - 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 will vary with the market, based on Prime Rate. Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.
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Benefits 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.
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Routine or unscheduled maintenance may impact accessibility. U.S.-Based Phone Service subject to calling the phone number on the back of your Union Plus Privilege Credit Card and following the prompts.
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Claims of unauthorized use are subject to verification and investigation.
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Certain restrictions apply for Union Plus discounts. For details, visit unionplus.org/cardperks.
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The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.
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