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Tag: credit score needs
KeyBank Latitude Visa Platinum
KeyBank Latitude Visa Platinum: The Premier Choice for Credit Card Rewards
The KeyBank Latitude Visa Platinum credit card is issued by KeyBank, a prominent player in the banking sector providing innovative financial solutions. Designed for consumers who value flexibility and rewarding options, this card is an excellent choice for those seeking to maximize their spending power.
Card Type
The KeyBank Latitude Visa Platinum is classified as a cashback credit card. Unlike typical rewards cards that offer points or miles, this card provides straightforward cashback, making it easy to understand and redeem rewards.
Annual Fee
One of the most attractive features of the KeyBank Latitude Visa Platinum is its no annual fee structure. This means users can enjoy all the benefits without a yearly financial commitment.
Rewards Program
The KeyBank Latitude Visa Platinum boasts a lucrative rewards program that enables cardholders to earn cashback on every purchase. Users can earn 1.5% cashback on all eligible purchases. Additionally, there are bonus categories where users can earn 2% cashback, which can be particularly beneficial for everyday spending.
Rewards can be easily redeemed for statement credits, allowing for immediate and hassle-free access to the funds earned. This flexibility is a significant advantage of the rewards structure.
Sign-Up Bonus
To attract new customers, the card offers a generous sign-up bonus for individuals who meet the spending requirement. New cardholders can earn an additional $150 in cashback after spending $500 within the first three months of opening their account. This bonus can significantly enhance the card’s value for new users.
APR (Annual Percentage Rate)
The KeyBank Latitude Visa Platinum features a competitive regular APR that typically ranges from 14.49% to 24.49%, depending on creditworthiness. Additionally, the card offers a 0% introductory APR on purchases and balance transfers for the first 15 months, providing an excellent opportunity to save on interest charges during this period.
Foreign Transaction Fees
For frequent travelers, the KeyBank Latitude Visa Platinum is an appealing option with its no foreign transaction fees. This allows cardholders to make purchases abroad without incurring extra charges, making travel budgeting much simpler.
Balance Transfer Options
The card offers attractive balance transfer options, including a 0% APR on balance transfers for the first 15 months. It’s a significant advantage for individuals looking to consolidate debt, allowing them to transfer their balances from other high-interest cards with minimal costs.
Additional Fees
While the KeyBank Latitude Visa Platinum is free from an annual fee, it is important for cardholders to be aware of other fees. The card imposes a late payment fee of up to $39, and cash advance fees can be as high as 5% of the transaction amount, which is a standard fee in the industry.
Card Benefits and Perks
This card also includes valuable benefits and perks such as travel insurance and purchase protection. Cardholders have access to various travel-related discounts and services, enhancing the overall user experience. However, it’s essential to read the full terms regarding coverage limits and exclusions.
Customer Protections and Insurance
The KeyBank Latitude Visa Platinum provides strong customer protections including fraud liability coverage, ensuring that users are not responsible for unauthorized charges. Additionally, the card offers purchase protection, allowing users to feel secure about their transactions.
Eligibility and Credit Score Requirements
To be considered for the KeyBank Latitude Visa Platinum, applicants should have a good to excellent credit score, typically in the range of 700-740. Secondary factors include income and credit history, which are assessed during the application process.
Introductory Offers
In addition to the rewards and balance transfer opportunities, the card offers several introductory offers. The 0% APR promotional rate for the first 15 months on both purchases and balance transfers is noteworthy, encouraging applicants to consider this card for their financial needs.
Special Features or Unique Selling Points
The card stands out with its no annual fee structure, straightforward cashback rewards, and comprehensive travel benefits. Its competitive APR and generous introductory offers add to its appeal.
How to Apply
To apply for the KeyBank Latitude Visa Platinum, interested individuals can complete the application process ‘>official website to begin your application process today and take advantage of all the benefits this card has to offer!
For more financial insights and resources, check out UpCube.net.
Alliant Credit Union Visa Platinum Rewards
Alliant Credit Union Visa Platinum Rewards: A Comprehensive Overview
The Alliant Credit Union Visa Platinum Rewards card is a versatile credit card designed for individuals seeking enhanced rewards and benefits. Issued by Alliant Credit Union, this card excels in providing a competitive rewards program along with user-friendly features. This detailed description will explore everything you need to know about the Alliant Credit Union Visa Platinum Rewards card, ensuring that potential cardholders are well-informed before making their decision.
Card Type
The Alliant Credit Union Visa Platinum Rewards card falls under the category of rewards credit cards. This card offers an array of benefits and cash back opportunities that make it an appealing option for both everyday purchases and larger expenses.
Annual Fee
What sets the Alliant Visa Platinum Rewards apart is its no annual fee structure. Cardholders can enjoy all the benefits of the card without incurring extra costs, making it an economical choice for savvy consumers looking to maximize their rewards without any additional financial burden.
Rewards Program
One of the card’s most attractive features is its robust rewards program. Cardholders earn 2 points for every dollar spent on eligible travel and restaurant purchases, and 1 point per dollar spent on all other purchases. These points can be redeemed for a variety of rewards, including cash back, gift cards, travel purchases, and merchandise, giving users the flexibility to choose how they want to use their points. The straightforward earning structure ensures that cardholders can quickly accumulate points, maximizing their overall rewards experience.
Sign-Up Bonus
Cardholders can take advantage of a lucrative sign-up bonus. Upon spending $500 within the first three months of account opening, cardholders can earn 25,000 bonus points, which equates to a value of approximately $250 when redeemed for cash back. This welcome offer provides a significant incentive for new users to utilize their card right from the beginning.
APR (Annual Percentage Rate)
The Alliant Visa Platinum Rewards offers a competitive regular APR that typically ranges from 9.24% to 18.00%, based on creditworthiness. Additionally, there may be an introductory offer featuring 0% APR on balance transfers for the first 12 months, providing users with an opportunity to consolidate debt at no interest during that period.
Foreign Transaction Fees
Travelers will appreciate that the Alliant Visa Platinum Rewards card comes with no foreign transaction fees, making it an excellent choice for those who frequently travel abroad. This feature allows users to use their cards internationally without incurring additional charges on purchases made in foreign currencies, promoting a hassle-free travel experience.
Balance Transfer Options
For those looking to manage existing debt, the Alliant Credit Union Visa Platinum Rewards also provides a beneficial balance transfer option. The card may offer 0% APR on balance transfers for the first year, allowing users to pay off their balances without incurring interest during that time. However, it’s essential to check for potential transfer fees, which generally range from 3% to 5% of the amount transferred.
Additional Fees
Beyond the annual fee, users should be aware of other potential fees associated with the Alliant Visa Platinum Rewards card. Late payment fees can apply up to $25 for the first late payment and up to $35 for subsequent late payments. A cash advance fee of either $10 or 3% of the amount advanced (whichever is greater) may also be imposed, so users should consider their borrowing behavior when applying.
Card Benefits and Perks
The Alliant Visa Platinum Rewards card boasts several valuable benefits and perks. These include travel insurance coverage for eligible trips, purchase protection that safeguards new items against theft or damage, and access to a 24/7 concierge service to assist with any travel arrangements or recommendations needed. Additionally, cardholders may have access to exclusive offers and discounts at partner hotels and restaurants, enhancing your overall purchasing experience.
Customer Protections and Insurance
Alliant Visa Platinum cardholders benefit from robust customer protections and insurance features. Fraud liability ensures that cardholders are not held responsible for unauthorized transactions if their card is reported lost or stolen. Purchase protection covers new purchases against damage or theft for a limited time, while rental car insurance provides peace of mind when renting a vehicle, as cardholders may be covered for collision damage.
Eligibility and Credit Score Requirements
To qualify for the Alliant Visa Platinum Rewards card, applicants generally need a good to excellent credit score, typically within the range of 700 to 850. While Alliant Credit Union offers various financial products, it’s essential to demonstrate responsible credit usage and a solid payment history to secure approval for this rewards card.
Introductory Offers
In addition to the attractive sign-up bonus, the Alliant Visa Platinum Rewards card offers an introductory 0% APR on balance transfers for the first year. This benefit is particularly advantageous for those looking to transfer balances from high-interest credit cards or for individuals aiming to pay down debt without accruing interest initially.
Special Features or Unique Selling Points
What sets the Alliant Visa Platinum Rewards card apart from competitors are its unique selling points, such as the flexibility in redeeming rewards and its comprehensive benefits which include access to a concierge service. This card caters not only to everyday consumers but also to those who travel frequently, thanks to its favorable rewards structure and travel benefits.
How to Apply
Applying for the Alliant Credit Union Visa Platinum Rewards card is a straightforward process. Prospective cardholders can initiate their application online through the official Alliant Credit Union website. To begin your application, click here: UpCube.net.