Purchase APR
5.99%
Annual fee
None
Foreign fee
None
Secured620–719720+Cashback
Carrying $3k for a year ≈ $179.70
1 cardholder agreement · 95 KB · 3 surveyed cards
See the exact wording behind each below.
<script src="https://cards.techtonic.llc/widget.js" data-issuer="united-bank"></script>Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
Detected in the CFPB-filed cardholder agreements from United Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You waive your right to have a dispute heard by a jury.
“…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…”
Checked & clear: Forced arbitration · Class-action waiver · Deferred interest · Change-anytime clause · Penalty APR
Carrying $3k for a year ≈ $179.70
Carrying $3k for a year ≈ $464.70
Carrying $3k for a year ≈ $644.70
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.