Purchase APR
11.49–19.49%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $464.70
← Back to explorer
72
Purchase APR
5.99%
Annual fee
None
0% intro
5.99%
0% transfer
5.99%
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee1.5% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
RETURNED PAYMENT FEE$15
CARD REPLACEMENT FEE$25
RESEARCH FEES$15
RETRIEVAL FEE$25
Late fee policy: 5% of the minimum payment, not to exceed $8.00
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Automobile rental insurance
- Extension on manufacturer’s warranty
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesDC, GA, KY, MD, NC, OH, PA, SC, VA, WV
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: within our lending footprint
Phone1-800-242-7600
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 5.99%$74.88
You save$225.13
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 5.99% afterwards.
Cost to carry a balance
Interest for a year at 5.99%$179.70
Annual / periodic fees$0
Total yearly cost$179.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by United Bank in the 2026 Q1 archive.
More from this issuer
Purchase APR
21.49%
Annual fee
None
Foreign fee
None
SecuredNo score≤619Travel-related
Carrying $3k for a year ≈ $644.70
Purchase APR
6.99%
Annual fee
None
Foreign fee
None
SecuredNo score≤619Cashback
Carrying $3k for a year ≈ $209.70
Purchase APR
3.99%
Annual fee
None
Foreign fee
1%
620–719
Carrying $3k for a year ≈ $119.70