When used right, credit cards can help you organize your finances. They make spending easy and help you track your spending. They also let you access a world of exclusive perks and privileges.
But they are usually not without fees and charges, with annual membership fees being the most notorious of them all. Thankfully, it’s possible to avoid paying such fees with a UnionBank no annual fee credit card.
Read on to see your options.
As its name suggests, a UnionBank no annual fee credit card is a credit card that doesn’t require you to pay membership fees, which are billed yearly. Usually, a no-annual fee benefit is a card’s innate and automatic feature, meaning it already comes with the card the moment you receive it.
However, a no-annual fee benefit may also be a bank promo for cards that otherwise have annual fees. Typically, you can enjoy such a privilege when you meet the minimum spend requirement within a promo period.
There are many reasons to get a UnionBank no annual fee credit card. Here are some of them:
Currently, UnionBank’s roster of no-annual fee credit cards include the following:
If you’re a loyal S&R customer,[1] this UnionBank credit card with no annual fee is for you. Its features include unlimited 3% rebates on your purchases at S&R. If you use your credit card for dining and shopping at other establishments, you get unlimited rebates of up to 1%.
Moreover, you can enjoy a free S&R New York Style Pizza for every ₱30,000 spend at S&R stores. However, take note that this reward is capped at four pizzas per year.
Also read: Score These UnionBank Credit Card Promos ASAP!
Credit card newbies will fall in love with the UnionBank U Visa Platinum. This UnionBank credit card with no annual fee doesn’t even charge late payment and overlimit fees.
The UnionBank U Visa Platinum card rewards you with 10% interest rebates on interest charges when you pay at least the minimum due amount on or before the due date. Furthermore, this card comes with a virtual card, making every online shopping sesh safe and secure.
This no-annual fee UnionBank credit card is exactly like the UnionBank U Visa Platinum, only Mastercard-branded.[2] With this plastic, you don’t have to worry about covering late payment and overlimit fees.
Responsible cardholders are rewarded with a 10% cash back on interest charges. You can enjoy this perk when you pay at least the minimum due amount on or before the due date.
Love online shopping? Get your haul without the fear of having your credentials compromised with the help of a virtual card.
Also read: UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard Review
If you’re looking for a shopping credit card from UnionBank with no annual fee for life, the UnionBank Rewards Credit Card[3] is a good candidate.
You can use this card for everyday expenses, such as groceries, as it earns you 1 point for every ₱30 spend. It’s also fit for travelers since it earns you 3x points when you shop locally or internationally.
Just because a credit card doesn’t have annual fees doesn’t mean you’ll apply for the first card that will come your way. You need to check if a card fits your needs and lifestyle.
Check out these guidelines when getting a UnionBank no-annual fee credit card:
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UnionBank Credit Card Application: Guide to Requirements and Process
A UnionBank no annual fee credit card is your best bet when you want to enjoy credit spending without the burden of yearly membership fees. It’s the perfect choice for newbies but it also makes a great back-up card for experienced credit cardholders.
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