Capital One, N.A.
Union Plus Credit Card Review 2026
A Capital One Mastercard for AFL-CIO union members with cash hardship grants no general-purpose card offers.
Quick answer
Union Plus Credit Card is issued by Capital One in three APR variants and adds AFL-CIO Mutual Benefit Plan hardship grants of $500-$2,700 — a benefit unique to union-affiliated cardholders.
Who Union Plus Credit Card is best for
AFL-CIO union members and affiliates who want the option of union-specific hardship assistance alongside a standard credit card.
At a glance
- Cash Rewards intro APR
- 0% for 12 months
- Rate Advantage intro APR
- 0% for 15 months
- Primary Access APR
- 26.74% variable
- Hardship grants
- $500–$2,700
- Grant eligibility
- 3+ months membership
- Issuer
- Capital One, N.A.
Then 16.4%-26.24% variable (capitalone.com, Aug 2026)
Then 14.4%-24.4% variable (capitalone.com, Aug 2026)
No intro period (capitalone.com, Aug 2026)
Per grant type, via AFL-CIO Mutual Benefit Plan
Account must be in good standing at time of loss event
Mastercard network
Pros
- +Three product variants let you choose intro-period length vs. ongoing rate
- +Union-specific hardship grants ($500-$2,700) unavailable on any general-purpose card
- +Issued by Capital One — standard major-bank bureau reporting and dispute protections
- +Rate Advantage's 14.4%-24.4% ongoing range is competitive for a 15-month 0% intro card
Cons
- −Only available to AFL-CIO union members and affiliates
- −Hardship grant eligibility requires 3+ months of membership and good standing
- −Primary Access variant carries a flat 26.74% variable APR with no intro period
Union Plus Credit Card requirements
- AFL-CIO union member or affiliate
- Subject to Capital One credit approval
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See all picks in Union Plus Credit Card: The Hardship Benefit No Other Card Has (2026)
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Union Plus Credit Card scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: AFL-CIO union members and affiliates who want the option of union-specific hardship assistance alongside a standard credit card.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Union Plus Credit Card
Can I switch between Union Plus variants?+
Product-change availability is set by Capital One — check your account or contact Capital One directly to ask about switching between Cash Rewards, Rate Advantage, and Primary Access.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/union-plus-credit-card-capitalone