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 16.49% to 22.49% 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. Signup bonus: 30,000 bonus points with $2,500 spend in first 90 days. Rewards: 1.5x points per net dollar spent, unlimited.