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Tag: excellent credit cards
KeyBank Travel Rewards Visa – Points for travel expenses.
KeyBank Travel Rewards Visa – Points for Travel Expenses
The KeyBank Travel Rewards Visa is a travel-themed credit card issued by KeyBank that caters to avid travelers seeking to maximize their rewards on travel expenses. With a robust rewards program and a host of benefits designed for globetrotters, this card is worth considering for anyone who frequently finds themselves booking flights, hotels, or other travel-related purchases.
Card Type
The KeyBank Travel Rewards Visa is classified as a travel rewards credit card. It is tailored for individuals who want to earn points on travel-related expenditures, allowing cardholders to effectively convert everyday spending into travel experiences.
Annual Fee
One of the most enticing features of the KeyBank Travel Rewards Visa is that it comes with no annual fee, making it a cost-effective option for travelers looking to earn rewards without any extra financial commitment.
Rewards Program
The rewards structure of the KeyBank Travel Rewards Visa is designed to benefit those who spend on travel. Cardholders earn 2 points per dollar spent on travel expenses, including flights, hotels, and rental cars, and 1 point per dollar on all other purchases. These points can be redeemed for various travel-related expenses such as airfare, hotels, and even car rentals, providing flexibility in how you use your rewards.
Sign-Up Bonus
New applicants can take advantage of a generous sign-up bonus. When you spend a specified amount within the first three months of account opening, you can earn 25,000 bonus points. This could potentially translate into a significant discount on upcoming travel plans. Check the exact spending requirements by visiting KeyBank’s official site.
APR (Annual Percentage Rate)
The regular APR for the KeyBank Travel Rewards Visa varies based on creditworthiness, typically ranging from 14.24% to 23.24%. For new cardholders, there may also be an introductory APR offer of 0% for the first 12 months on purchases, making it a great option for those planning larger travel expenses right after getting the card.
Foreign Transaction Fees
Traveling abroad? The KeyBank Travel Rewards Visa has an appealing feature for international travelers: no foreign transaction fees. This means you can use the card overseas without incurring any additional charges, enhancing the value of your travels.
Balance Transfer Options
The card offers balance transfer options with similar terms. If you have existing balances on other high-interest cards, you may inquire about potential introductory balance transfer APRs that could save you on interest payments.
Additional Fees
While the KeyBank Travel Rewards Visa has quite a few attractive features, users should be aware of additional fees. Late payment fees, cash advance fees, and returned payment fees may apply, so it’s important to read the terms and conditions thoroughly to understand potential costs.
Card Benefits and Perks
This credit card includes a variety of beneficial perks. Travelers can enjoy complimentary travel insurance, concierge services, and access to exclusive travel offers, which can enrich your travel experience and provide peace of mind during your adventures.
Customer Protections and Insurance
KeyBank takes the security of its customers seriously. The KeyBank Travel Rewards Visa offers fraud liability protection, ensuring you won’t be held responsible for unauthorized transactions. Additionally, cardholders receive purchase protection and rental car insurance, providing added security for your purchases and travel needs.
Eligibility and Credit Score Requirements
To qualify for the KeyBank Travel Rewards Visa, applicants typically need a credit score in the good to excellent range, generally around 700 or higher. Applicants are encouraged to check their credit history to increase their chances of approval.
Introductory Offers
Besides its attractive 0% APR on purchases for the first year, the card may feature other limited-time offers that can enhance its value. Stay informed about these offers on the KeyBank website to ensure maximum benefits.
Special Features or Unique Selling Points
One unique characteristic of the KeyBank Travel Rewards Visa is that it may offer exclusive rewards events and promotions, allowing you to earn even more points on selected purchases throughout the year. This feature caters to frequent travelers, making it easy to accumulate points quickly.
How to Apply
Applying for the KeyBank Travel Rewards Visa is straightforward. Interested applicants can initiate the process ‘>here and unlock travel rewards that can elevate your next adventure!
For more insights on financial products, visit UpCube.net.
Citi Prestige Mastercard
Citi Prestige Mastercard: A Comprehensive Guide
The Citi Prestige Mastercard is an elite credit card issued by Citi, designed primarily for travel enthusiasts and frequent spenders. As one of the premier offerings in the market, it combines numerous benefits with a rewarding points system, appealing to those who value travel rewards and luxurious perks.
Card Type
The Citi Prestige Mastercard is categorized as a travel rewards credit card. This means it offers users the opportunity to earn points for their spending, which can be redeemed for travel expenses such as flights, hotel stays, and other travel-related purchases.
Annual Fee
Holding a Citi Prestige Mastercard comes with an annual fee of $495. While this reflects a significant cost, it is crucial to consider the extensive benefits and rewards structure that accompany this fee, which can easily offset the upfront cost for active users.
Rewards Program
The rewards structure of the Citi Prestige Mastercard is generous. Cardholders can earn 5 points per dollar spent on air travel and restaurants, 3 points on hotels and cruise lines, and 1 point on all other purchases. Points can be redeemed for travel expenses, cash back, gift cards, or merchandise. Notably, the card offers the ability to transfer points to various airline and hotel loyalty programs, providing added flexibility for travelers looking to maximize their rewards.
Sign-Up Bonus
New cardholders can enjoy a substantial welcome bonus, currently offering 50,000 bonus points after spending $4,000 within the first 3 months of account opening. This bonus can be redeemed for $500 in travel or $250 in cash back, making it an enticing opportunity for new applicants.
APR (Annual Percentage Rate)
The Citi Prestige Mastercard carries a regular APR of 18.49% to 25.49%, depending on the applicants creditworthiness. Currently, the card does not offer an introductory APR; therefore, maintaining timely payments is advisable to avoid accruing interest.
Foreign Transaction Fees
One significant advantage of the Citi Prestige Mastercard is that it does not charge foreign transaction fees, making it a prime choice for international travelers looking to make purchases without incurring additional costs.
Balance Transfer Options
The card offers balance transfer options, including a promotional rate of 0% APR for 12 months on balance transfers made within the first four months. However, a balance transfer fee of 3% (or $5, whichever is greater) applies, which is important to consider if planning to utilize this feature.
Additional Fees
In addition to the balance transfer fee, the Citi Prestige Mastercard may incur other fees. This includes up to $40 for late payments and cash advance fees, which can be either 5% or $10, whichever is greater. Understanding these fees is essential to manage costs effectively.
Card Benefits and Perks
The Citi Prestige Mastercard is loaded with impressive benefits. Cardholders gain access to travel insurance, which includes trip cancellation and interruption coverage, baggage delay insurance, and emergency evacuation benefits. Additionally, the card features a concierge service to assist with travel bookings and reservations, alongside priority access to exclusive events.
Customer Protections and Insurance
Cardholders are protected with various customer protections like $0 fraud liabilityâ€ensuring that unauthorized charges will not be the responsibility of the cardholder. Purchase protection covers theft or damage for new purchases up to $10,000, while rental car insurance provides coverage against damage or theft when renting a vehicle.
Eligibility and Credit Score Requirements
To qualify for the Citi Prestige Mastercard, applicants generally need a good to excellent credit score, ideally ranging between 700 to 850. Other factors may contribute to the approval process, including income level and existing credit history.
Introductory Offers
As mentioned previously, there are no introductory APR offers for this card, but the appealing fast-track rewards program and sign-up bonus are designed to attract new users.
Special Features or Unique Selling Points
One of the standout features of the Citi Prestige Mastercard is the complimentary fourth-night stay at hotels booked through the card, which can lead to significant savings on travel costs. Additionally, the card includes access to exclusive culinary events and experiences, enhancing the overall value for food enthusiasts and travelers alike.
How to Apply
Interested individuals can easily apply for the Citi Prestige Mastercard online through the official Citi website. The application is straightforward, and the process can often be completed quickly. Visit the official website to begin: UpCube.net today!