A credit card allows you to borrow money, with the intention you'll pay back the lender (your bank) later on. While it sounds simple, credit can get complex, so you want to use your card wisely.
Credit Cards
Featured credit card offerings
Find a credit card that fits your lifestyle.
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Earn unlimited 2% cash back on every purchase.1
Unlimited 2% cash back earn
on every purchase with no caps1
Up to an additional 2% cash back
on your first $10,000 in eligible Net Purchases each billing cycle when paired with a Union Diamond Bank Smartly® Savings account plus qualifying balances in Union Diamond Bank Smartly® Checking and/or Safe Debit account(s).1
$0 Annual Fee
Enjoy great benefits with no annual fee plus a 0% intro APR2 on purchases and balance transfers3 for the first 12 billing cycles.
Annual Fee: $
APR: 0% intro APR2 on purchases and balance transfers3 for the first 12 billing cycles.
Get a low intro APR for 21 billing cycles.4
Low intro APR
0% intro APR4 on purchases and balance transfers3 for the first 21 billing cycles.
4% cash back
On prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.5
Annual Fee: $
APR: 0% intro APR on purchases and balance transfers3 for the first 21 billing cycles.
Annual Fee: $
APR: 0% intro APR9 on purchases and balance transfers3 for the first 15 billing cycles.
Earn 20,000 bonus points.10
5X points
on prepaid hotels and car rentals booked directly in the Travel Center when you use this card.11
4X points
on travel.
4X points
at gas stations and EV charging stations* on your first $1,000 each quarter.
2X points
on dining, streaming services and at grocery stores*. 1X point on all other eligible purchases.
* Excludes discount stores/supercenters and wholesale clubs
Annual Fee: $
APR: 0% intro APR12 on purchases and balance transfers3 for the first 15 billing cycles.
Earn 20,000 bonus points.13
4X points
on dining, takeout and restaurant delivery on your first $2,000 each quarter.14
2X points
at grocery stores* and gas stations/EV charging stations*.
2X points
on streaming services.
1X point
on all other eligible purchases.
Plus, a $15 credit for annual streaming service purchases.15
* Excludes discount stores/supercenters and wholesale clubs
Annual Fee: $
APR: 0% intro APR16 on purchases and balance transfers3 for the first 15 billing cycles.
Pay later – on every purchase.
No Plan fees, no interest on all 3‑month payment Plans
All purchases are placed into a payment Plan to be paid back over 3 months, with no Plan Fee.17,18
Choose to extend Plans to 6 or 12 months
You can extend payment plans to 6 or 12 months with equal monthly payments and no interest, for just a small, fixed monthly Plan Fee.17,18
Looking for something else?
Small business credit cards
Power your business purchases.
From points to cash back, there's a credit card with benefits made for your business.
Card partners
See more cards with rewards.
Learn about the retailers, airlines and other businesses we partner with to offer rewards credit cards.
Union Diamond Bank SMART REWARDS®
Get access to more benefits.
Unlock perks with a Union Diamond Bank Smartly® Checking account and credit card – like exclusive cash-back deals and more.
Retrieve your mail offer
Accept your card offer.
Ready to take the next step? Have the confirmation number from your offer invitation handy before you get started.
Common questions about credit cards
In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.
Credit scores range from 300 to 850 – the higher, the better.
There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.
One way to maximize your credit card rewards is to choose a card that fits your lifestyle. Union Diamond Bank offers a variety of rewards credit cards, including cash back, travel and points rewards. Review your options and pick the one that best aligns with your spending habits.
Yes. All Union Diamond Bank credit cards offer contactless chip technology that allow for enhanced security and touch-free payments, at the millions of retail store locations that accept contactless payments.
Union Diamond Bank offers a variety of 0% intro APR credit cards, allowing you to choose a credit card that fits your lifestyle. Select Low intro rate from the filter at the top of this page to see your options.