Detected in the CFPB-filed cardholder agreements from United Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Jury-trial waiver
You waive your right to have a dispute heard by a jury.
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“…f Purchases is less than $5.00 then such New Balance for Advances and Purchases will be due. Your credit card includes a applicable law. You agree to waive the right to trial by jury, to the extent allowed by applicable law. Pay Ahead feature which permits you to carry over amounts paid in excess of the Minimum Payment Due to be u…”
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.