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United Bank

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United Bank

Rewards to use the way you want.1

Sign up and earn bonus points

Take home 2,500 bonus points after your first purchase.2

Apply now

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  • No cap, no limit

    Earn as many points as you can and get five years to redeem them.

  • Bonus rewards after you sign up

    After your first purchase, you'll get 2,500 bonus rewards points.

  • Choose your rewards

    Redeem your points for cash back, travel, merchandise or gift cards.

Learn more about how easy it is to earn—and more—with the Real Rewards card

  • 1.5X rewards

    Earn 1.5 points monthly for every $1 you spend on eligible net purchases.3

  • Flexible rewards redemption

    Redeem points for cash back, travel, merchandise or gift cards.

  • Intro APR* for Purchases and Balance Transfers

    0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. Platinum Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Terms & Conditions

  • Security and convenience

    Enjoy peace of mind with chip-enhanced acceptance, Zero Fraud Liability,4 emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.

  • Annual Fee

    None Terms & Conditions

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United Bank

Earn Unlimited Rewards

for your everyday purchases!

Apply now

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We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.


Subject to credit approval.


  • *The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
  • 1The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
  • 2Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
  • 3You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
  • 4Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these card is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Cardmember Agreements

Privacy and Security