How to Earn Points and Miles for Free Travel
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Details
- 0% intro APR on purchases and balance transfers for the first 12 billing cycles.
- No annual fee and free employee cards.
- Zero Fraud Liability.
- Online Banking and Reporting.
- Pay Bills - save time and money by eliminating the need to write checks and mail payments.
- Visa SavingsEdge - a simple way to save up to 15% on business purchases.
Pros
0% intro APR for the first 12 billing cycles
Low interest rate
No Annual Fee
Cons
No rewards option
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
11.99-19.99%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
11.99-19.99%
variable
Cash advance apr
25.99%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$39
Return payment fee
up to
$35
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