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Tag: no annual fee credit card
Langley Federal Credit Union Cash Back Visa – Earn 1.5% cashback on purchases.
Langley Federal Credit Union Cash Back Visa – Earn 1.5% Cashback on Purchases
Langley Federal Credit Union Cash Back Visa is a strategic financial tool ideal for those looking to maximize their spending power with rewarding cashback options. Issued by Langley Federal Credit Union, this credit card stands out in the market as an excellent choice for everyday purchases, providing a straightforward cashback rewards structure. Below, we delve into an in-depth overview of this card, ensuring potential cardholders have comprehensive insights into its offerings.
1. Card Type
The Langley Federal Credit Union Cash Back Visa is a dedicated cashback credit card. It allows users to earn a percentage of their purchases back, making it a lucrative option for anyone who enjoys rewards for their spending.
2. Annual Fee
A notable advantage of this card is that it comes with no annual fee. This feature makes it especially appealing for budget-conscious consumers who want to benefit from cashback rewards without upfront costs.
3. Rewards Program
This card provides an attractive rewards program, offering cardholders 1.5% cashback on all purchases. There are no complicated bonus categories, which keeps the process easy and straightforward. Users can redeem cashback rewards directly into their accounts, applying them toward purchases or receiving them as cash back at their convenience.
4. Sign-Up Bonus
5. APR (Annual Percentage Rate)
6. Foreign Transaction Fees
7. Balance Transfer Options
8. Additional Fees
9. Card Benefits and Perks
10. Customer Protections and Insurance
11. Eligibility and Credit Score Requirements
12. Introductory Offers
13. Special Features or Unique Selling Points
14. How to Apply
‘>Apply Here and explore more financial insights at UpCube.net. 
La-Z-Boy Furniture Galleries Credit Card
La-Z-Boy Furniture Galleries Credit Card: Your Ticket to Stylish Living
Designed for furniture enthusiasts and home décor aficionados, the La-Z-Boy Furniture Galleries Credit Card offers not just a means of payment but a gateway to elegant living spaces. Issued by Synchrony Bank, this co-branded credit card prioritizes providing exclusive rewards for La-Z-Boy customers. Below, we delve into the various aspects of the card, including its features, benefits, and potential drawbacks.
1. Card Name and Issuer
The card in question is the La-Z-Boy Furniture Galleries Credit Card, and it is issued by Synchrony Bank, a well-known issuer of retail credit cards.
2. Card Type
This is a co-branded credit card specifically focusing on offering benefits and rewards for purchases made at La-Z-Boy Furniture Galleries, making it a great option for loyal customers.
3. Annual Fee
One of the appealing features of the La-Z-Boy Furniture Galleries Credit Card is that it comes with no annual fee. This makes it accessible for customers who want to benefit from the card’s offerings without incurring a yearly cost.
4. Rewards Program
The rewards program is quite attractive as it provides 5% back on purchases made at La-Z-Boy Furniture Galleries. Rewards can be redeemed as cashback or can also be utilized for future purchases within the store, providing flexibility for cardholders who frequently shop there.
5. Sign-Up Bonus
New applicants can enjoy a stellar sign-up bonus where you can earn up to $100 off your first purchase after spending a specified amount within the first 90 days. This makes it a compelling option for those looking to invest in new furniture.
6. APR (Annual Percentage Rate)
The regular APR for the La-Z-Boy Furniture Galleries Credit Card ranges from 27.99% to 29.99%, depending on your creditworthiness. Keep an eye out for any introductory offers that may provide a lower rate for an initial period.
7. Foreign Transaction Fees
Travel enthusiasts will appreciate that the La-Z-Boy Furniture Galleries Credit Card does not charge any foreign transaction fees. This feature encourages card usage even when shopping internationally.
8. Balance Transfer Options
Currently, there are no promotional balance transfer offers available with this card, which is something to consider if you are looking to shift high-interest debt.
9. Additional Fees
Be aware of additional fees, including a late payment fee of up to $39 and a cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater.
10. Card Benefits and Perks
Beyond rewards, cardholders enjoy several benefits such as exclusive promotions throughout the year on La-Z-Boy products, allowing savvy shoppers to make the most of their investments.
11. Customer Protections and Insurance
The card offers a robust suite of customer protections. These include fraud liability, ensuring you’re not responsible for unauthorized purchases. Additionally, it may provide purchase protection, covering new qualifying purchases against theft and damage.
12. Eligibility and Credit Score Requirements
To qualify for the La-Z-Boy Furniture Galleries Credit Card, applicants typically need a credit score of 660 or higher. However, other factors, like income and credit history, will also be considered during the approval process.
13. Introductory Offers
This card does not prominently feature substantial introductory offers; however, keep an eye out for potential promotional periods that may arise.
14. Special Features or Unique Selling Points
What sets the La-Z-Boy Furniture Galleries Credit Card apart from other retail cards is its focus on home furnishings. The exclusive discounts and rewards accrue faster for cardholders who frequent La-Z-Boy, enhancing the overall shopping experience.
15. How to Apply
Ready to enhance your home with the La-Z-Boy Furniture Galleries Credit Card? You can ‘>Apply Here and transform your home into a space you love!
For additional financial insights and tips on how to maximize your credit card benefits, check out UpCube.net.
Kroger 1-2-3 Rewards Visa
Kroger 1-2-3 Rewards Visa: The Ultimate Cashback Credit Card
The Kroger 1-2-3 Rewards Visa is an enticing cashback credit card issued by Kroger. Designed for everyday shopping, this co-branded card ensures you earn rewards while shopping at Kroger grocery stores, with additional opportunities to earn cashback on other everyday purchases. This comprehensive guide will explore the card’s features, benefits, and potential downsides.
Card Type
The Kroger 1-2-3 Rewards Visa is primarily a cashback credit card that offers a point-based rewards program, allowing cardholders to earn rewards on various spending categories, particularly at Kroger-affiliated stores.
Annual Fee
One of the most attractive features of this card is that it comes with no annual fee. This makes it a great choice for consumers looking to maximize their savings without the burden of extra costs associated with premium credit cards.
Rewards Program
The rewards structure of the Kroger 1-2-3 Rewards Visa is straightforward and beneficial. Cardholders earn:
- 3% cashback on groceries purchased at Kroger and most supermarkets.
- 2% cashback on dining and home improvement purchases.
- 1% cashback on all other purchases.
Rewards can be redeemed in the form of statement credits, enabling cardholders to easily lower their balances. Additionally, the rewards earned can be applied towards groceries, fueling up at Kroger gas stations, or simply enjoyed through cash back.
Sign-Up Bonus
New cardholders can benefit from a generous welcome bonus. Currently, by spending $100 on purchases within the first 30 days of account opening, customers can earn an additional $50 in cashback rewards. This incentive aims to kickstart your rewards journey immediately!
APR (Annual Percentage Rate)
The standard APR for the Kroger 1-2-3 Rewards Visa varies depending on the applicant’s creditworthiness but generally ranges from 15.24% to 24.24%. There is a competitive introductory offer for new customers: a 0% APR on purchases for the first 12 months, making it an appealing option for those planning larger purchases.
Foreign Transaction Fees
Want to shop abroad? This card offers flexibility with no foreign transaction fees. That means you can use your card internationally without incurring additional costs, making it a suitable option for travelers.
Balance Transfer Options
For those looking to transfer existing card balances, the Kroger 1-2-3 Rewards Visa provides a special balance transfer offer. Cardholders can benefit from a 0% APR on balance transfers for the first 12 billing cycles, effectively saving on interest payments. Just note that a balance transfer fee of 3% of the amount transferred will apply.
Additional Fees
While the Kroger 1-2-3 Rewards Visa has no annual fee, it’s important to be aware of other possible charges:
- Late payment fee: Up to $40
- Cash advance fee: either $10 or 5% of the amount of each cash advance, whichever is greater
Card Benefits and Perks
The Kroger 1-2-3 Rewards Visa also includes a suite of card benefits. Cardholders can access features like:
- Fraud protection: Zero liability for unauthorized transactions.
- Extended warranty: Doubles the original manufacturer’s warranty on eligible purchases.
- Purchase protection: Covers the loss, theft, or damage of purchases for a specified period.
- Travel accident insurance: Offers peace of mind when traveling.
Customer Protections and Insurance
In terms of customer protections, this card provides robust features. Cardholders enjoy:
- Fraud liability coverage to protect against unauthorized charges
- Security alerts to notify you of suspicious activity
- Rental car insurance when using the card for car rentals
Eligibility and Credit Score Requirements
To qualify for the Kroger 1-2-3 Rewards Visa, applicants typically need a good to excellent credit score, generally in the range of 700-850. Be prepared to provide necessary financial information during the application process.
Introductory Offers
In addition to the introductory 0% APR on purchases and balance transfers, cardholders can benefit from promotional events and seasonal offers that Kroger often runs, allowing additional cashback opportunities or discounts on purchases.
Special Features or Unique Selling Points
A standout feature of the Kroger 1-2-3 Rewards Visa is its integration with the Kroger ecosystem. Cardholders can link their rewards to fuel points, leading to significant discounts on fuel purchases at Kroger gas stations.
How to Apply
You can apply for the Kroger 1-2-3 Rewards Visa easily online or in-store. To begin the process, visit the ‘>Apply Here for your Kroger 1-2-3 Rewards Visa today, and start enjoying cashback on your everyday purchases!
For further financial insights and tips, check out UpCube.net.
Kohls Charge Card
Kohls Charge Card: Comprehensive Overview
The Kohls Charge Card is an enticing retail credit option issued by Kohl’s, tailored for shoppers who frequently enjoy the retailer’s diverse range of products. This charge card is ideal for loyal customers seeking rewards and savings on their shopping experiences. Below, we will explore the key features and benefits of the Kohls Charge Card in detail, providing valuable insights for potential applicants.
1. Card Name and Issuer
The Kohls Charge Card is issued by Kohl’s Department Stores, a prominent American retail chain known for quality apparel, home goods, and more. This co-branded credit card enhances the shopping experience for Kohl’s customers, allowing them to maximize savings while enjoying exclusive rewards.
2. Card Type
This card is classified as a co-branded retail credit card, primarily designed to offer rewards and benefits to consumers who frequently shop at Kohl’s. Its structure encourages loyal customers to benefit from various promotional offers and incentives.
3. Annual Fee
One of the most attractive features of the Kohls Charge Card is that it comes with no annual fee. This makes it an ideal choice for consumers wishing to avoid extra costs while still earning rewards on purchases.
4. Rewards Program
The Kohls Charge Card offers a robust rewards program that allows cardholders to earn 1 point for every dollar spent at Kohl’s. In addition, frequent shoppers can earn 5 points for every dollar spent during promotional events. Rewards can be redeemed for discounts and gift cards, making it simple for users to leverage their purchases into valuable savings.
5. Sign-Up Bonus
New applicants can often reap benefits through a lucrative sign-up bonus that usually requires spending a certain amount (e.g., $50) within the first 30 days to earn additional rewards points. This introductory offer enhances the appeal of applying for the card.
6. APR (Annual Percentage Rate)
The Kohls Charge Card features a regular APR of 23.99% for purchases. Customers should be aware of this rate and manage their balances accordingly. Occasionally, an introductory 0% APR offer might be available for the first few months, allowing customers to make larger purchases without accruing interest immediately.
7. Foreign Transaction Fees
For those planning to travel, it’s important to note that the Kohls Charge Card does not impose foreign transaction fees. This makes it a viable option for international purchases, providing added convenience for globe-trotting shoppers.
8. Balance Transfer Options
The card allows users to transfer balances from other credit accounts; however, it is crucial to check for any associated fees. Offers might include promotional 0% APR on balance transfers for a limited timeframe. Be sure to review the conditions to maximize savings effectively.
9. Additional Fees
While the Kohls Charge Card has no annual fee, cardholders should be aware of potential other fees, including late fees (up to $40) and cash advance fees. Staying informed about these costs is essential to avoid unnecessary charges.
10. Card Benefits and Perks
Cardholders enjoy numerous benefits, including exclusive access to Kohl’s discounts during major sales events, which can significantly enhance savings. Typically, cardholders may receive additional discounts on selected purchases, enhancing the overall shopping experience.
11. Customer Protections and Insurance
The Kohls Charge Card provides valuable customer protections, such as fraud liability protection, ensuring that users are not held responsible for unauthorized purchases. Additionally, some purchases may be covered under purchase protection, offering peace of mind when shopping at Kohl’s.
12. Eligibility and Credit Score Requirements
Typically, applicants should possess a credit score in the range of 600 to 750 for the best approval chances. While lower credit scores may face challenges, individuals with a solid credit history can expect favorable terms.
13. Introductory Offers
As previously mentioned, the Kohls Charge Card frequently promotes attractive introductory offers such as 0% APR for an introductory period on purchases, allowing new users some breathing space on interest payments when making larger purchases.
14. Special Features or Unique Selling Points
The Kohls Charge Card stands out due to its unique perks tailored for Kohl’s shoppers. Cardholders can benefit from special promotional events, exclusive access to seasonal sales, and even additional reward points during their birthday month, enhancing loyalty and customer engagement.
15. How to Apply
Interested individuals can conveniently apply for the Kohls Charge Card ‘>apply here today. For more financial insights, visit UpCube.net for comprehensive credit card advice and tips!
Kohl’s Charge Card – 35% off first purchase and regular offers.
Kohl’s Charge Card – 35% Off First Purchase and Regular Offers
The Kohl’s Charge Card is a co-branded retail credit card issued by Kohl’s Department Stores, designed for shoppers looking to maximize their savings while enjoying exclusive offers. This card is especially beneficial for frequent Kohl’s customers, offering enticing benefits and an easy pathway to discounts.
Card Type
The Kohl’s Charge Card is primarily a retail credit card, aimed at providing customers with rewards for shopping at Kohl’s. Unlike typical cashback or travel cards, it focuses on in-store benefits and special discounts relevant to Kohl’s shoppers.
Annual Fee
One of the significant advantages of the Kohl’s Charge Card is that it comes with no annual fee. This means cardholders can enjoy all the rewards and benefits without the burden of yearly charges eating into their savings.
Rewards Program
The rewards program for the Kohl’s Charge Card is straightforward and appealing. Cardholders earn 1 point for every dollar spent at Kohl’s, with points redeemable for Kohl’s Cash offers. Additionally, special promotions can boost this earning rate during events like Kohl’s Cash events, giving you more ways to save.
Sign-Up Bonus
Upon approval, new cardholders can enjoy an incredible 35% off their first purchase, making it a lucrative choice for anyone looking to stock up on stylish apparel, home goods, or seasonal decor. To qualify, simply apply for the card and make your eligible purchase within the promotional period.
APR (Annual Percentage Rate)
The regular APR for the Kohl’s Charge Card is competitive, typically hovering around 26.99% variable. However, it’s important to check for any promotional 0% introductory APR offers for balance transfers, which can provide temporary relief for those looking to manage existing debt.
Foreign Transaction Fees
For international shoppers, the Kohl’s Charge Card does not impose foreign transaction fees. This feature allows cardholders to shop freely while traveling abroad without worrying about extra charges on international purchases.
Balance Transfer Options
While the Kohl’s Charge Card is primarily intended for in-store shopping, it may also offer balance transfer options with promotional periods of 0% APR. Always check the terms, as these offers can vary, and balance transfer fees might apply.
Additional Fees
Aside from potential late payment fees, which can be around $30, cardholders may also incur a cash advance fee of either $10 or 5% of the amount borrowed, whichever is greater. It’s crucial to read all the fine print to avoid surprises.
Card Benefits and Perks
Cardholders enjoy a range of added benefits with the Kohl’s Charge Card, including exclusive access to special sales events, birthday gifts, and tailored promotions throughout the year. Frequent promotions and special offers allow shoppers to maximize their savings and enhance their shopping experience.
Customer Protections and Insurance
The Kohl’s Charge Card includes essential customer protections such as fraud liability, protecting cardholders from unauthorized charges. Purchase protection may also cover lost or damaged items within a certain timeframe, ensuring peace of mind with every purchase.
Eligibility and Credit Score Requirements
While specific credit score requirements are not publicly disclosed, prospective cardholders typically benefit from a good to excellent credit score, generally in the range of 650-740+. This ensures that applicants have a better chance for approval and access to favorable terms.
Introductory Offers
The Kohl’s Charge Card often includes enticing introductory offers that can span several months, giving new users a chance to take advantage of lower APR on purchases or special discounts during their first few months as cardholders.
Special Features or Unique Selling Points
Among its unique features, the Kohl’s Charge Card’s standout benefit is undoubtedly the initial 35% discount on first purchases. Furthermore, cardholders regularly receive exclusive shopping events and discounts, setting it apart from typical cashback cards.
How to Apply
Applying for the Kohl’s Charge Card is straightforward. You can fill out an application online through the ‘>Apply Here.
For insightful financial updates, tips, and reviews, stay tuned to UpCube.net for comprehensive articles and resources.
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Kimpton Inner Circle Rewards Card
Kimpton Inner Circle Rewards Card: Your Key to Exclusive Travel Benefits
The Kimpton Inner Circle Rewards Card, issued by KeyBank, is a co-branded credit card designed for travelers who enjoy luxurious accommodations and exceptional rewards. This card is ideal for those who frequently stay at Kimpton Hotels and are looking to maximize their travel rewards while enjoying exclusive perks. In this comprehensive overview, we will delve into the specific details of the card, including its rewards program, fees, benefits, and how to apply.
Card Type
The Kimpton Inner Circle Rewards Card is classified as a co-branded travel rewards credit card. Specifically tailored for loyal patrons of Kimpton Hotels, this card allows cardholders to earn points that can be redeemed for future stays, making it a perfect option for frequent travelers.
Annual Fee
One of the most attractive features of the Kimpton Inner Circle Rewards Card is that it comes with no annual fee. This makes it an excellent choice for individuals who want to take advantage of travel rewards without incurring additional costs.
Rewards Program
The card’s rewards program is robust, offering 5 points per dollar spent at Kimpton Hotels, along with 2 points per dollar spent on dining and entertainment, and 1 point on all other purchases. Additionally, points can be redeemed for Kimpton rewards nights, free upgrades, and various other perks, enhancing the overall travel experience.
Sign-Up Bonus
Upon approval, new cardholders can enjoy a lucrative welcome bonus. Customers who spend $1,000 in the first three months of account opening can earn an additional 25,000 bonus points, which can be redeemed for free nights at Kimpton Hotels. This attractive sign-up bonus significantly boosts the card’s rewards potential right from the start.
APR (Annual Percentage Rate)
The Kimpton Inner Circle Rewards Card offers a standard APR of 15.99% to 24.99%, depending on creditworthiness. Furthermore, new cardholders may benefit from an introductory APR offer of 0% for the first 12 months on purchases. After the introductory period, the regular APR will apply.
Foreign Transaction Fees
Travelers will be pleased to know that the Kimpton Inner Circle Rewards Card does not charge foreign transaction fees. This feature is particularly advantageous for those traveling internationally, allowing them to use their card without incurring additional costs.
Balance Transfer Options
While the Kimpton Inner Circle Rewards Card is primarily focused on travel rewards, it also offers options for balance transfers. Cardholders can benefit from a 0% APR on balance transfers made within the first 12 months, providing an excellent opportunity to manage existing debt without incurring interest during the promotional period.
Additional Fees
In addition to the primary features, the Kimpton Inner Circle Rewards Card comes with some additional fees. Cardholders should be aware of a late payment fee of up to $39, as well as a cash advance fee of either 3% or $10, whichever is greater. It’s important to keep these fees in mind to avoid unexpected charges.
Card Benefits and Perks
The card includes several noteworthy benefits that enhance its appeal. Cardholders gain access to extraordinary perks such as travel insurance, concierge services, and access to airport lounges. These benefits can significantly elevate the travel experience, providing convenience and peace of mind while on the road.
Customer Protections and Insurance
In terms of security, the Kimpton Inner Circle Rewards Card offers robust customer protections. This includes fraud liability protection, ensuring that cardholders are not held responsible for unauthorized charges. Additionally, the card provides purchase protection and rental car insurance as part of its comprehensive coverage, safeguarding users while they travel.
Eligibility and Credit Score Requirements
To apply for the Kimpton Inner Circle Rewards Card, applicants should generally have a credit score of 670 or higher to qualify. Meeting this credit score threshold will improve the chances of approval and potentially lead to more favorable terms.
Introductory Offers
In addition to the 0% APR on balance transfers and purchases for the first year, the Kimpton Inner Circle Rewards Card does not include any complicated introductory offers that could affect card usage. Instead, it maintains a straightforward rewards structure that appeals to most users.
Special Features or Unique Selling Points
Among its many features, one notable selling point is the potential for cardholders to earn free hotel nights based on their accumulated points. Additionally, concierge services add value for those who enjoy personalized assistance while traveling.
How to Apply
Interested applicants can easily apply for the Kimpton Inner Circle Rewards Card ‘>Apply Here for more information.
For more personal finance insights and tips, check out UpCube.net.
Kimpton Inner Circle Credit Card
Kimpton Inner Circle Credit Card: An In-Depth Overview
The Kimpton Inner Circle Credit Card is a co-branded rewards card issued by Horizon Bank. This card is designed for frequent travelers and loyal customers of Kimpton Hotels, offering a plethora of benefits and opportunities to earn rewards on everyday purchases. Below, we explore the features, perks, and essential details of this credit card, making it an excellent choice for both avid travelers and Kimpton fans alike.
Card Type
The Kimpton Inner Circle Credit Card is categorized as a co-branded travel rewards card. This means that it’s tailored specifically for individuals who enjoy traveling and staying at Kimpton properties, while also allowing cardholders to earn rewards points for their everyday spending.
Annual Fee
One of the appealing aspects of the Kimpton Inner Circle Credit Card is that it comes with no annual fee. This feature makes it budget-friendly for cardholders who want to enjoy travel benefits without the burden of an ongoing cost.
Rewards Program
The rewards structure on the Kimpton Inner Circle Credit Card is robust, allowing cardholders to earn 5 points per dollar spent at Kimpton Hotels and Restaurants, 2 points per dollar on all other travel expenses, and 1 point per dollar on all other purchases. Points can be redeemed for various rewards, including free nights, room upgrades, and exclusive experiences like dining and spa treatments at Kimpton’s partner properties.
Sign-Up Bonus
New applicants can benefit from an enticing welcome offer. Upon spending $1,000 in the first 3 months of account opening, cardholders can earn 30,000 bonus points. These points can be redeemed for a free night at any Kimpton property, providing an attractive incentive for new users.
APR (Annual Percentage Rate)
The Kimpton Inner Circle Credit Card features a competitive regular APR of 15.99%–24.99% depending on creditworthiness. It also offers an introductory APR of 0% for the first 12 months on purchases, which can help new cardholders manage their expenses more effectively.
Foreign Transaction Fees
For the globetrotters, it is noteworthy that this card charges no foreign transaction fees. This feature makes it an ideal option for those who travel internationally, as cardholders can make purchases abroad without incurring extra costs.
Balance Transfer Options
The Kimpton Inner Circle Credit Card offers balance transfer options with an introductory 0% APR for the first 12 months. After this period, the regular APR will apply. There is a balance transfer fee of 3%, which is relatively standard in the industry.
Additional Fees
Cardholders should also be aware of other potential fees. The card incurs a late payment fee of up to $39, and the cash advance fee is either 5% of the amount or $10, whichever is greater. Understanding these fees is crucial for managing your credit card usage responsibly.
Card Benefits and Perks
This credit card comes packed with a range of benefits designed to enhance the travel experience. Cardholders enjoy access to the Kimpton Inner Circle program, granting perks such as priority check-in, room upgrades, early access to new properties, and late check-out. Additionally, there are various travel insurance coverages included, such as trip cancellation/interruption insurance.
Customer Protections and Insurance
The Kimpton Inner Circle Credit Card prioritizes the safety and security of its users. It offers zero fraud liability, which protects cardholders from unauthorized charges, alongside purchase protection for items bought with the card. Furthermore, travel-related benefits include rental car insurance, ensuring peace of mind while traveling.
Eligibility and Credit Score Requirements
While the Kimpton Inner Circle Credit Card is accessible, it generally requires applicants to have a good to excellent credit score, typically ranging from 700 to 850. This criterion ensures that the card is offered to responsible borrowers likely to meet their payment obligations.
Introductory Offers
As mentioned, the card comes with an attractive introductory offer of 0% APR on purchases for the first 12 months. This feature can significantly aid new customers looking to make larger purchases without accumulating interest immediately.
Special Features or Unique Selling Points
What sets the Kimpton Inner Circle Credit Card apart is its focus on the hospitality industry. Cardholders not only earn rewards easily but also receive exclusive experiences, such as complimentary nights and personalized services during stays at Kimpton locations. The focus on customer service enhances the overall value of the card.
How to Apply
Applying for the Kimpton Inner Circle Credit Card is simple and can be done ‘>Apply Here. For additional insights on credit card options, check out UpCube.net.
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.
KeyBank Platinum Travel Mastercard
KeyBank Platinum Travel Mastercard: A Comprehensive Overview
The KeyBank Platinum Travel Mastercard is a travel rewards credit card issued by KeyBank, designed for individuals who frequently travel and seek to maximize their benefits through everyday spending. With an array of features catering to both frequent flyers and casual travelers, this card offers an attractive rewards structure combined with competitive fees.
Card Type
The KeyBank Platinum Travel Mastercard is classified as a travel rewards card, allowing cardholders to earn points that can be redeemed for various travel-related expenses. It’s geared toward members who are keen on accumulating travel rewards while enjoying everyday purchases.
Annual Fee
One of the standout features of the KeyBank Platinum Travel Mastercard is its no annual fee, making it an excellent choice for those looking to save on card expenditures while reaping rewards for travel.
Rewards Program
The KeyBank Platinum Travel Mastercard boasts a robust rewards program that allows cardholders to earn 2x points on travel purchases and 1x points on all other purchases. Points can be redeemed for a range of options, including travel expenses, merchandise, gift cards, or even cash back. This flexible rewards program encourages users to maximize points through travel-related spending.
Sign-Up Bonus
New cardholders can take advantage of a lucrative sign-up bonus. Upon meeting a minimum spending requirement (usually around $2,000 within the first 90 days), cardholders can earn 50,000 bonus points, equivalent to a substantial discount on future travel expenses.
APR (Annual Percentage Rate)
The regular APR for the KeyBank Platinum Travel Mastercard ranges from 16.24% to 24.24%, depending on the applicant’s creditworthiness. Additionally, there might be an introductory offer of 0% APR on purchases and balance transfers for the first 12 months, allowing cardholders to make large purchases or transfer existing balances without incurring interest during this period.
Foreign Transaction Fees
Travelers will appreciate that the KeyBank Platinum Travel Mastercard does not charge foreign transaction fees. This feature is crucial for cardholders who often make purchases abroad, as it eliminates additional costs associated with international transactions.
Balance Transfer Options
The KeyBank Platinum Travel Mastercard presents attractive balance transfer options, particularly the aforementioned 0% APR introductory offer for transfers made during the first 12 months. However, a balance transfer fee (typically 3% of the amount transferred) may apply, so users should consider the terms before proceeding.
Additional Fees
In addition to balance transfer fees, other important fees to note include a late payment fee of up to $40, and a cash advance fee which could be either a percentage of the advance (typically 3-5%) or a fixed amount, whichever is greater. Being aware of these fees can help cardholders manage their accounts more effectively.
Card Benefits and Perks
The KeyBank Platinum Travel Mastercard comes packed with valuable benefits such as comprehensive travel insurance, including trip cancellation and interruption coverage, and access to a dedicated concierge service that can assist with travel bookings, dining reservations, and more. Additionally, cardholders may gain access to exclusive airport lounges, providing a premium travel experience.
Customer Protections and Insurance
This travel rewards card prioritizes cardholder security by offering various customer protections. These include fraud liability protection, ensuring that users are not held responsible for unauthorized charges, purchase protection that covers recent purchases against damage or theft, and rental car insurance when the card is used to pay for the rental.
Eligibility and Credit Score Requirements
To apply for the KeyBank Platinum Travel Mastercard, applicants should typically have a credit score within the range of 680-740 to secure approval. This requirement may vary based on individual financial profiles, so it’s beneficial to check one’s credit score before applying.
Introductory Offers
As part of its incentive for new cardholders, the KeyBank Platinum Travel Mastercard often includes introductory offers like the 0% APR on purchases and balance transfers for the first year. This opportunity makes it appealing for individuals looking to manage expenses efficiently.
Special Features or Unique Selling Points
Unique to the KeyBank Platinum Travel Mastercard is the flexible rewards redemption that allows cardholders to redeem points not just for travel but also for various merchandise and experiences. Moreover, its concierge services offer a personalized touch, setting it apart from other travel credit cards on the market.
How to Apply
Applying for the KeyBank Platinum Travel Mastercard is straightforward and can be done conveniently online. Prospective cardholders can easily find the application form on the ‘>Official Website. For broader financial insights, check out UpCube.net for more valuable information and resources.
KeyBank Platinum Travel Rewards
KeyBank Platinum Travel Rewards: A Comprehensive Overview
The KeyBank Platinum Travel Rewards credit card offers an exceptional opportunity for avid travelers looking to maximize their rewards while enjoying added travel benefits. Issued by KeyBank, this travel credit card is designed to cater to those seeking a cost-effective and rewarding way to earn points on their spending. Below, we delve into various aspects of this card, highlighting its features, benefits, and some considerations for potential applicants.
Card Type
The KeyBank Platinum Travel Rewards card is primarily a travel rewards credit card. It allows cardholders to earn points on various purchases leading to rewarding travel experiences while providing added protections and lifestyle benefits.
Annual Fee
A significant advantage of the KeyBank Platinum Travel Rewards credit card is that it comes with no annual fee. This makes it an attractive option for individuals who want to earn rewards without the burden of a recurring cost.
Rewards Program
The card features a robust rewards program that allows users to earn points on every dollar spent. Cardholders earn 3 points for every dollar spent on travel-related purchases, 2 points on dining, and 1 point on all other purchases. Points can be redeemed for travel expenses, gift cards, or even cash back, making it a flexible and valuable rewards program.
Sign-Up Bonus
New cardholders can benefit from a generous sign-up bonus. When applicants spend $3,000 within the first three months of account opening, they can receive 30,000 bonus points. This amount can be redeemed for a significant travel reward, enhancing the overall appeal of the card.
APR (Annual Percentage Rate)
The KeyBank Platinum Travel Rewards card offers a competitive regular APR of 17.74% to 25.74% variable, based on the applicant’s creditworthiness. For those who may need to carry a balance initially, this card also provides an introductory APR of 0% for the first 12 months on purchases, allowing for interest-free spending during the introductory period.
Foreign Transaction Fees
For travelers who frequently go abroad, the KeyBank Platinum Travel Rewards credit card charges no foreign transaction fees. This means that cardholders can use their card internationally without incurring extra charges, making it an ideal choice for global travelers.
Balance Transfer Options
When it comes to balance transfer options, cardholders may take advantage of a promotional 0% APR for 12 months on balance transfers made within the first 60 days (with a 3% fee), providing an opportunity to consolidate debt without accruing interest during that time.
Additional Fees
While the card boasts numerous benefits, it’s important to note other additional fees. Late payments can incur a fee of up to $39, and cash advances are subject to a fee of either $10 or 3% of the amount of each cash advance, whichever is greater.
Card Benefits and Perks
Cardholders will enjoy a host of valuable benefits and perks including complimentary travel insurance, trip cancellation insurance, and access to a 24/7 concierge service. Furthermore, the card includes access to special travel experiences and upgrades, ensuring cardholders can enhance their journeys.
Customer Protections and Insurance
KeyBank provides extensive customer protection policies with this card. Cardholders can benefit from purchase protection, travel accident insurance, and extended warranty coverage on eligible items, which provides peace of mind when making purchases or planning travel.
Eligibility and Credit Score Requirements
To apply for the KeyBank Platinum Travel Rewards credit card, applicants should have a credit score in the range of 700 or higher. This ensures that those with good to excellent credit can take full advantage of the card’s offerings.
Introductory Offers
As previously mentioned, in addition to the introductory 0% APR on purchases for the first year, the card also has various offers throughout the year, which can be beneficial for new customers aiming to maximize their rewards.
Special Features or Unique Selling Points
One of the unique selling points of the KeyBank Platinum Travel Rewards card is its robust travel perks, including potential access to special hotel rates and travel deals that are not available to non-cardholders, thereby enhancing the overall travel experience.
How to Apply
Those interested in this extraordinary card can easily apply for it through the ‘>Official Website or explore additional Financial Insights.
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