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Tag: shopping rewards card
DSW Rewards Visa
DSW Rewards Visa: A Comprehensive Overview
The DSW Rewards Visa is a co-branded credit card issued by the popular shoe retailer DSW and powered by Visa. Designed with a focus on delivering exceptional value to loyal customers and fashion enthusiasts, this card offers a variety of rewards and incentives, making it an attractive option for those looking to earn while shopping for footwear and accessories.
Card Type
As a co-branded credit card, the DSW Rewards Visa primarily falls under the category of rewards cards. It is tailored for consumers who frequently shop at DSW, allowing them to earn rewards for every purchase made both in-store and online.
Annual Fee
One of the key attractions of the DSW Rewards Visa is that it comes with no annual fee. This makes it an excellent choice for budget-conscious shoppers looking to maximize their rewards without incurring extra costs.
Rewards Program
The rewards structure of the DSW Rewards Visa is straightforward and offers generous earning potential. Cardholders can earn 3 points for every $1 spent on DSW purchases, while all other purchases earn 1 point for every $1 spent. These points can be redeemed for DSW gift cards, making it easy for consumers to save on future purchases.
Sign-Up Bonus
New cardholders can take advantage of a welcome bonus that offers 5,000 points upon spending $500 within the first 90 days of account opening. This bonus can be redeemed for a $5 reward, providing an added incentive to sign up for the card.
APR (Annual Percentage Rate)
The regular APR for the DSW Rewards Visa ranges from 15.24% to 24.24%, depending on the applicant’s creditworthiness. Additionally, there may be an introductory 0% APR offer on purchases for the first 12 months, providing cardholders with the opportunity to make larger purchases interest-free while they pay it off.
Foreign Transaction Fees
For those who enjoy international travel or shop online from global retailers, the DSW Rewards Visa has no foreign transaction fees. This means that cardholders can use their card abroad without incurring additional costs, making it a suitable option for travelers.
Balance Transfer Options
The DSW Rewards Visa also offers options for balance transfers. New cardholders can benefit from a 0% introductory APR for 12 months on balance transfers. This feature provides a way to eliminate costly interest charges from other high-interest credit cards while paying off existing debt.
Additional Fees
While the DSW Rewards Visa does not charge an annual fee, it is essential to be aware of other potential fees. Late payment fees can be up to $40, while cash advances may incur a fee of either $10 or 3% of the amount of the cash advance, whichever is greater.
Card Benefits and Perks
Cardholders enjoy several appealing benefits with the DSW Rewards Visa, including special discounts and promotions throughout the year. Beyond the base rewards, cardholders often receive exclusive offers that can enhance savings while shopping.
Customer Protections and Insurance
The DSW Rewards Visa includes valuable customer protections, such as fraud liability protection, which ensures cardholders are not held responsible for unauthorized transactions. Additionally, it offers purchase protection and rental car insurance for added peace of mind when making significant purchases or booking rental vehicles.
Eligibility and Credit Score Requirements
To qualify for the DSW Rewards Visa, applicants typically need a credit score of at least 700. While each application is evaluated on an individual basis, having a solid credit history improves the chances of approval.
Introductory Offers
The 0% APR introductory offer applies to both purchases and balance transfers for 12 months. This limited-time offer is a significant incentive for consumers who plan to make larger purchases or transfer existing balances from high-interest accounts.
Special Features or Unique Selling Points
What sets the DSW Rewards Visa apart is its integration with DSW’s loyalty program, which enhances the overall shopping experience for cardholders. Access to exclusive sales events and early notifications about new releases allows cardholders to stay ahead in fashion and save significantly on their purchases.
How to Apply
Applying for the DSW Rewards Visa is straightforward and can be done online. Prospective cardholders can complete their application at the UpCube.net and to take the next step, click here to