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The Union Bank Business Rewards Visa Credit Card has an offer for 10,000 bonus points when you spend $5,000 within the first three months. According to Union Bank, this introductory offer is worth $100 as statement credit. It’s a sweet deal considering the card doesn’t have an annual fee. The Ink Business Unlimited Credit Card also comes with no annual fee. See our list for more business credit cards.
The Union Bank Business Rewards card offers a couple bonus categories on common business spending, but they’re capped at $25,000 in spending annually. You’ll earn limited:
- 5x points on business expenses (more on that later), and
- 2x points on gas and dining.
Once you hit the spending limits, you’ll receive the base rate of 1x points.
But if your company spending doesn’t line up with the Union Bank Business Rewards card’s bonus categories, you’ll want to consider another business card instead.
*Check out Union Bank bonuses for checking & savings accounts.
| Bonus Available | 10,000 bonus points when you spend $5,000 in the first 3 months after account opening. |
| Bonus Value* | $100 |
| Ongoing Rewards/Benefits | 5 points for every $1 spent on business expense purchases, including office supplies, utility bills, and telecom, computer and advertising services. On up to $25,000 annually. 2 points for every $1 spent on gas station and restaurant purchases. On up to $25,000 annually. 1 point for every $1 spent on all other purchases. |
| Foreign Transaction Fees? | 3% |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
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PROS
- No annual fee
- Welcome bonus
CONS
- Good-Excellent credit needed to qualify
- Capped bonus categories
- Foreign transaction fees
INK BUSINESS UNLIMITED® CREDIT CARD
The Ink Business Unlimited® Credit Card from Chase offers a $750 bonus (75,000 Ultimate Rewards points) when you spend $7,500 within the first 3 months of account opening. This card has no annual fee.
Get unlimited flat 1.5% Cash Back rewards on every purchase with this card. There are no categories to keep up with.
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards. You can pool your rewards with other Ultimate Rewards Cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 750k Ultimate Rewards points can be worth up to $1,500 in value.
Union Bank Business Rewards Card 10,000 Bonus Points Offer
Take advantage of the Union Bank Business Rewards card’s 10,000 bonus points offer. These points are worth $100 as statement credit (more on that later).
To qualify, charge at least $5,000 to your card within the first three months of opening your account.
Here are some ideas on meeting the spending requirement:
What Are Union Bank Business Rewards Points Worth?
Like many other points-based cards, the value of your rewards depends on how you redeem them:
- Statement credits (standard $0.01 per point)
- Travel (varies)
- Gift cards (varies)
- Merchandise (varies)
Union Bank Business Rewards points expire on the third anniversary of the date earned.
Bottom Line
The Union Bank Business Rewards card is a decent choice if your company spends moderately on business expenses, gas and dining. If that’s not the case, you’ll want to look into a business credit card with unlimited rewards.
What’s The Competition?
Below are some of the top competitors to the Union Bank Business Rewards Visa Signature credit card you should consider.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $750 bonus cash back (75,000 Ultimate Rewards points) when you spend $7,500 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash® Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
CAPITAL ONE SPARK MILES SELECT FOR BUSINESS
The Capital One Spark Miles Select for Business has an offer for 20,000 bonus miles when you spend $3,000 within the first 3 months. We value these 20k miles to be worth around $280 when you use Capital One’s transfer partners.
This card earns 1.5 miles per $1 on all purchases.
Earn 5X miles on hotel and rental car bookings through Capital One TravelSM using this card. You can get more flexibility with your miles with Capital One’s 10+ transfer partners. Read more about this here.
Pay no annual fee or foreign transaction fees with this card.
CAPITAL ONE SPARK CASH SELECT FOR BUSINESS
The Capital One Spark Cash Select for Business is one of the best Business cash back credit cards with no annual fee. There’s an intro offer where you can earn a $200 bonus once you spend $3,000 on purchases within 3 months from account opening.
Business owners like this card because it earns unlimited 1.5% cash back on all purchases, regardless of category. Employee cards are available at no additional cost and will also earn the 1.5% rewards from their business spending. There are no foreign transaction fees with this card.
| OFFER LINK | OFFER | OUR REVIEW |
| Chase Business Complete Banking℠ | $300 Cash | Review |
| Chase Total Checking® | $225 Cash | Review |
| Chase Secure Banking℠ | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience Checking℠ | $150 Cash | Review |
| HSBC Premier Checking | $450 Cash | Review |
| Axos Business Checking | $100 Cash | Review |
| Aspiration Checking | $150/$200 Cash | Review |
| Ally Invest | Up To $3,000 | Review |
| Betterment | Up To 1 Year Free | Review |
| BlockFi | Up To $250 BTC | Review |
| Voyager (code BH5F1A) | $25 In BTC | Review |
| TradeStation | $100 Bonus | Review |
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| Robinhood | Free Stock | Review |
| Motley Fool | Stock Advisor Discount | Review |
Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.