Getting into your Union Plus credit card account online
The Union Plus credit card login portal is at unionpluscard.com. You'll enter your card number and PIN or password on the main login page. If you don't have an online account yet, you can create one using your card number and the last four digits of your Social Security number.
The login process takes about two minutes. You'll need your physical card or the card number from your statement, plus the password you set up when you first registered. Once you're logged in, you can view your balance, recent transactions, and payment options.
If you're logging in for the first time after receiving your card, the system will ask you to create a username and password. Write these down somewhere safe — you'll use them every time you sign in.
Key Takeaways
- Go to unionpluscard.com and enter your card number and password to sign in to your account.
- New cardholders can create an online account using their card number and the last four digits of their Social Security number.
- Once logged in, you can check your balance, view transactions, and set up automatic payments.
- If you forget your password, use the "Forgot Password" link on the login page to reset it with your card number and personal information.
What you can do after you sign in
After logging in, you have access to your full account details. You can see your current balance, available credit, and a list of all recent charges organized by date. The account dashboard also shows your interest rate and minimum payment due.
You can set up automatic payments directly from your bank account, make a one-time payment, or read statements as PDFs. Most cardholders use the payment feature to avoid late fees — you can schedule a payment for any date you choose, and the system will confirm it before processing.
The account portal also shows any rewards or benefits tied to your Union Plus membership, such as discounts at partner merchants or cash back on certain purchases. Check your account regularly to see if new offers have been added.
Resetting your password if you're locked out
If you forget your password, click the "Forgot Password" link on the unionpluscard.com login page. The system will ask you to enter your card number, then send a reset link to the email address on file with your account.
Check your email (including spam folders) for the reset message. The link usually works for 24 hours. Click it and create a new password — make it something you can remember but others can't guess, like a combination of letters, numbers, and a symbol.
If you don't receive the reset email within 15 minutes, check that you entered your card number correctly. If the problem continues, call the customer service number on the back of your card. A representative can verify your identity and help you regain access.
Troubleshooting common login problems
The most common reason people can't log in is entering the wrong password. Passwords are case-sensitive, meaning capital letters matter. If you've tried three times and still can't get in, the system will temporarily lock your account for security. Wait 30 minutes and try again, or use the password reset option.
If you're seeing an error message like "Invalid card number," double-check that you're entering the 16-digit number exactly as it appears on your card, with no spaces or dashes. Some older browsers also have trouble with the login page — try a different browser like Chrome or Firefox if you keep getting stuck.
If you recently moved or changed your email address, the account might be linked to old contact information. Call the number on your card to update your email, then try logging in again. The system needs a current email address to send password reset links.
Keeping your login information safe
Never share your password with anyone, including Union Plus staff or customer service representatives. Real Union Plus employees will never ask for your full password over the phone or email. If someone contacts you claiming to be from Union Plus and asks for your login details, hang up and call the number on your card instead.
When you log in from a public computer — like at a library or internet café — always log out when you're done. Don't check the "Remember me" box on shared devices. At home, use a password manager like Bitwarden or 1Password to store your login safely instead of writing it down or using the same password everywhere.
Change your password every few months, especially if you think someone else might have seen it. A strong password has at least 12 characters and mixes uppercase letters, lowercase letters, numbers, and symbols.
Mobile app login versus website login
Union Plus also offers a mobile app for iPhone and Android that lets you sign in on your phone. The app uses the same username and password as the website, but you can also set up fingerprint or face recognition login for faster access. read the app from the Apple App Store or Google Play Store and search for "Union Plus Card."
The mobile app shows the same account information as the website — your balance, recent transactions, and payment options. Many cardholders prefer the app because it's faster to check a balance or make a payment on the go. The app also sends push notifications when your payment is due or when large charges post to your account.
If you use both the website and the app, they're connected to the same account. Changes you make in one place show up in the other automatically. For example, if you update your email address in the app, it updates on the website too.
What to do if you don't have a Union Plus card yet
If you're a union member and want to open a Union Plus credit card account, you'll need to start with the process process rather than logging in. Visit unionpluscard.com and look for the "explore Now" or "New Cardholders" section. You'll answer questions about your income, employment, and credit history.
The process usually takes 10 to 15 minutes online. Union Plus will review your information and let you know whether you're approved, usually within one business day. If you're approved, your card will arrive by mail within 7 to 10 business days. Once it arrives, you can create your online account using the card number and the last four digits of your Social Security number.
If you're not approved right away, you can reapply after addressing any issues — like paying down existing debt or correcting errors on your credit report. Union Plus customer service can explain why you weren't approved and what you can do next.
Frequently Asked Questions
What do I do if I never set up an online account?
Go to unionpluscard.com and click "Create Account" or "Register." You'll need your card number and the last four digits of your Social Security number. The system will walk you through creating a username and password, then you'll be able to log in when ready.
Can I log in with just my card number, or do I need a password?
You need both your card number and your password. The card number alone isn't enough to protect your account. If you've never created a password, use the "Create Account" option on the login page to set one up first.
Is it safe to save my password in my browser?
It's safer to use a dedicated password manager like Bitwarden or 1Password instead. If you save your password in your browser and someone gains access to your computer, they can see all your saved passwords. A password manager encrypts your passwords and is harder to break into.
How do I log out of my account?
Look for a "Log Out" or "Sign Out" button, usually in the top right corner of the page or in a menu. Click it and wait for the page to confirm you've been logged out. Never just close the browser window — always use the official logout button, especially on shared computers.
Can I change my password from my phone?
Yes, you can change your password in the mobile app or on the website from any device. Log in, go to "Account Settings" or "Security Settings," and look for "Change Password." You'll enter your current password and then create a new one.