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United Bank

1 cardholder agreement · 95 KB · 3 surveyed cards

A
Fair Terms · grade A (92/100)
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Why this grade
  • Starting score100
  • Jury-trial waiver-8
  • Fair Terms score92 · grade A

See the exact wording behind each below.

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Contract X-Ray — what's buried in the fine print

1 red flag · 1 filed doc

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.

Show the exact wording ↓
“…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…”
Bankcard Agreement for United Visa Platinum Cardholders-With Rebate 11268i003 3-21 ↗

Checked & clear: Forced arbitration · Class-action waiver · Deferred interest · Change-anytime clause · Penalty APR

Priced card products

Purchase APR
5.99%
Annual fee
None
Foreign fee
None
Secured620–719720+Cashback
Details

Carrying $3k for a year ≈ $179.70

Cardholder agreements

Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.