Union Plus Primary Access Card
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Union Plus Primary Access Card from Capital One earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Union Plus Primary Access Card earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Union Plus Primary Access Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Union Plus Primary Access Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Union Plus Primary Access Card?
The Union Plus Primary Access Card fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Union Plus Primary Access Card fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- points value depends on how you redeem, not straight cash back.
Does the Union Plus Primary Access Card have an annual fee?
The Union Plus Primary Access Card has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Union Plus Primary Access Card?
The Union Plus Primary Access Card includes AT&T Wireless Rebate, Automatic Discounts, Disability Grant: $1,600-$2,700 in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Disability Grant: $1,600-$2,700
$1,600/yrHelps eligible cardholders who have lost significant income from a long-term illness or disability.
Hospital Grant: $1,200
$1,200/yrAids eligible cardholders with large, unreimbursed hospital expenses.
Job Loss and Furlough Grants: $500
$500/yrHelp eligible cardholders who have recently been laid off or furloughed.
Strike Grant: $500
$500/yrProvides assistance to eligible cardholders who are on a union-sanctioned strike or experiencing a union-sanctioned lockout.
AT&T Wireless Rebate
$250/yrAT&T is the only nationwide, unionized wireless carrier, employing more than 150,000 union members. Union Plus Credit Cardholders and Teamster Privilege Credit Cardholders can qualify for up to $250 in rebates when they switch to AT&T and upgrade to a new smartphone while using their Union Plus Credit Card or Teamster Privilege Credit Card. That’s on the top of the union-exclusive savings on qualified AT&T wireless plans through the AT&T Signature Program.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Union Plus Primary Access Card
What credit score do you need for a Union Plus credit card?
Madeen's catalog lists a typical credit range of Good for the Union Plus Primary Access Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Union Plus Primary Access Card have an annual fee?
The Union Plus Primary Access Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Union Plus Primary Access Card?
Dining is the strongest Madeen category for the Union Plus Primary Access Card at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Union Plus Primary Access Card charge foreign transaction fees?
The Union Plus Primary Access Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Union Plus Primary Access Card?
Madeen's catalog lists a typical credit range of Good for the Union Plus Primary Access Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Union Plus Primary Access Card?
Rewards on the Union Plus Primary Access Card post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Union Plus Primary Access Card compare to similar cards?
Compare the Union Plus Primary Access Card against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Union Plus Primary Access Card This card | Dining | 0% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure