Optional AmalgaMiles program ($15 annual fee if you have a Union Card and $29 if you have any other type of card). Earn air travel and other travel awards without the restrictions of other frequent flyer programs. Fly on any airline you choose with no blackout dates (rules and conditions apply). Travel insurance at no additional cost.
Late Payment Fees: $15 for a balance up to $99.99; $20 for a balance of $100 to $999.99; or $35 for a balance of $1,000 or more. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: 3% of each transfer ($5 minimum). Cash Advance Fee: 3% of each advance ($5 minimum).