The Union Bank and Trust is a personal credit card from Union Bank and Trust. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% to 26.99% variable (after the introductory period; see the application's Important Disclosures) after a 0% introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: 1% cash back on every purchase, unlimited.