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Tag: standard APR
Kohl’s Charge Card
Kohl’s Charge Card: A Comprehensive Overview
The Kohl’s Charge Card, issued by Capital One, is a co-branded store card designed for frequent shoppers of Kohl’s department stores. This credit card offers various features tailored to enhance the shopping experience for Kohl’s customers.
Card Type
The Kohl’s Charge Card falls under the category of co-branded retail credit cards. This type of card is primarily used for shopping at Kohl’s and provides rewards and perks specifically centered around purchases made at Kohl’s locations.
Annual Fee
One of the appealing features of the Kohl’s Charge Card is that it comes with no annual fee. This makes it an attractive option for shoppers who want the benefits of a store card without the burden of an annual cost.
Rewards Program
The rewards program associated with the Kohl’s Charge Card is quite enticing for loyal customers. Cardholders earn 1 point for every $1 spent at Kohl’s. Once you reach 100 points, you receive a $5 reward to spend on future purchases. Additionally, cardholders can take advantage of promotional offers, including double points days and exclusive deals during special sales events. Rewards can easily be redeemed at Kohl’s for discounts on future purchases, giving the card a significant edge for regular shoppers.
Sign-Up Bonus
New applicants can also benefit from a welcome bonus. Current offers include a $30 Kohl’s Cash reward when you make your first purchase with the card. To qualify for this bonus, new cardholders must complete their first transaction within a set time frame after approval.
APR (Annual Percentage Rate)
The standard APR for the Kohl’s Charge Card typically ranges around 26.99%, which is relatively high compared to general-purpose credit cards. However, it’s important to keep an eye out for introductory APR offers, which may provide a promotional lower rate for new cardholders during the initial months of usage.
Foreign Transaction Fees
For those who travel internationally, the Kohl’s Charge Card does not charge foreign transaction fees. This feature allows cardholders to use their card abroad without incurring additional costs, although it’s important to note that the card is primarily designed for domestic use at Kohl’s stores.
Balance Transfer Options
Currently, the Kohl’s Charge Card does not offer any balance transfer options. Cardholders interested in transferring balances from other credit cards should consider this limitation carefully, especially because of the card’s higher APR.
Additional Fees
In addition to the standard interest rates, cardholders might encounter fees such as:
- Late Fees: Up to $40, if minimum payment is not made by due date.
- Cash Advance Fees: A percentage of the transaction amount or a flat fee, whichever is greater.
Card Benefits and Perks
The Kohl’s Charge Card provides several valuable benefits, including special promotions during the holidays and exclusive access to sales events. Cardholders also enjoy discounts on every purchase when special offers are available. However, when compared to general travel or cashback cards, the specific perks are limited primarily to Kohl’s offerings.
Customer Protections and Insurance
Cardholders are protected from fraud with $0 liability on unauthorized transactions. The card also includes purchase protection, which covers new purchases against damage or theft for a certain period after buying. However, comprehensive travel insurance is not a feature of this card.
Eligibility and Credit Score Requirements
To qualify for the Kohl’s Charge Card, applicants typically need a credit score of 670 or higher. This makes it accessible to many consumers, though those with lower credit scores may find it challenging to be approved.
Introductory Offers
As mentioned earlier, the Kohl’s Charge Card may come with introductory offers such as 0% APR for the first six months on new purchases, depending on the current promotions from Kohl’s.
Special Features or Unique Selling Points
The card’s key feature is its tailored rewards system, making it highly beneficial for regular Kohl’s shoppers. Additionally, Kohl’s often runs exclusive sales events where cardholders can earn extra rewards and benefits.
How to Apply
Applying for the Kohl’s Charge Card is straightforward. Interested individuals can apply online through the official Kohl’s website or in-person at any Kohl’s store location. For more detailed information and to begin the application process, you can visit the ‘>Official Website or explore more Financial Insights for your credit card options.
BB&T Cash Rewards Platinum
BB&T Cash Rewards Platinum Card: Comprehensive Overview
The BB&T Cash Rewards Platinum card is an attractive option for individuals looking for a reliable cashback credit card. Issued by BB&T (now Truist after the merger with SunTrust), this card combines rewards with valuable financial benefits tailored for everyday spending. Heres an in-depth look at what this card has to offer.
Card Type
The BB&T Cash Rewards Platinum is primarily a cashback credit card. This type of card is ideal for consumers who prefer earning immediate cash rewards for their everyday purchases rather than points or miles.
Annual Fee
One of the standout features of the BB&T Cash Rewards Platinum card is its no annual fee policy. Cardholders can enjoy its benefits without worrying about incurring additional costs at the end of the year.
Rewards Program
This credit card offers a competitive rewards program that allows cardholders to earn cashback on every purchase. Users can earn 3% cashback on eligible gas purchases, 2% cashback on grocery store purchases, and 1% cashback on all other purchases. Rewards can be redeemed for statement credits, deposits into a BB&T account, or other options. This flexible structure makes the card an appealing choice for frequent shoppers.
Sign-Up Bonus
New cardholders can also take advantage of a lucrative sign-up bonus. Upon spending a qualifying amount within the first few months of account opening, users can receive a cash reward bonus, enhancing the cards initial appeal.
APR (Annual Percentage Rate)
The standard APR for the BB&T Cash Rewards Platinum card is competitive, making it suitable for cardholders who may carry a balance. Additionally, there might be promotional rates available for an introductory period, allowing new users to benefit from 0% APR on purchases and balance transfers for a limited time.
Foreign Transaction Fees
For those who travel or shop internationally, the BB&T Cash Rewards Platinum card does not charge any foreign transaction fees. This feature is particularly beneficial for globetrotters, as it eliminates the added costs associated with overseas purchases.
Balance Transfer Options
The card offers appealing balance transfer options, including promotional 0% APR for specified periods. However, it is recommended to check the cards terms for any balance transfer fees that may apply to ensure maximum savings.
Additional Fees
While the BB&T Cash Rewards Platinum card boasts no annual fee, its essential to be aware of other important fees, such as late payment fees and cash advance fees. Late fees can apply if the due date is missed, making timely payments crucial for cardholders.
Card Benefits and Perks
Cardholders can enjoy several benefits and perks with the BB&T Cash Rewards Platinum. These may include travel insurance, roadside assistance, and various travel-related perks such as concierge services, making it a practical choice for frequent travelers.
Customer Protections and Insurance
This card also offers robust customer protections. Cardholders benefit from fraud liability protection, ensuring that they are not held responsible for unauthorized purchases. Additionally, purchase protection and rental car insurance provide peace of mind for everyday transactions and travel.
Eligibility and Credit Score Requirements
To qualify for the BB&T Cash Rewards Platinum card, applicants are typically required to have a good to excellent credit score. A recommended score range is often between 690 to 850, indicating a healthy credit history.
Introductory Offers
If applicable, the card may feature introductory offers such as 0% APR on purchases and balance transfers for a specified duration. Keep an eye on these offers, as they can significantly enhance the cards value during your initial months of use.
Special Features or Unique Selling Points
A unique selling point of the BB&T Cash Rewards Platinum card is its generous cashback on essential spending categories, particularly gas and groceries. This focus on everyday expenses sets it apart from other cashback cards that may not offer as much in terms of specific bonus categories.
How to Apply
Applying for the BB&T Cash Rewards Platinum card is straightforward. Interested individuals can start their application process online by visiting the official website of BB&T. To access the application form, click the following link: UpCube.net. Don’t miss out on potential rewardsâ€apply for the BB&T Cash Rewards Platinum card today!
Dick’s Sporting Goods ScoreRewards Mastercard
Dicks Sporting Goods ScoreRewards Mastercard
The Dicks Sporting Goods ScoreRewards Mastercard is an enticing co-branded credit card specifically designed for outdoor and sports enthusiasts. Issued by Synchrony Bank, this card stands out for its robust rewards program tailored to those who frequently shop at Dicks Sporting Goods. Below is a comprehensive overview of the card, highlighting its features, benefits, and more.
Card Type
The ScoreRewards Mastercard is primarily a co-branded credit card focused on rewarding purchases made at Dicks Sporting Goods. It falls under the category of cashback cards, offering a unique rewards structure that caters to active lifestyle customers.
Annual Fee
One of the most attractive features of the Dicks Sporting Goods ScoreRewards Mastercard is that it has no annual fee. This makes it an appealing option for those who wish to maximize their rewards without incurring additional costs.
Rewards Program
The rewards structure of the ScoreRewards Mastercard is compelling. Cardholders earn 3 points for every dollar spent at Dicks Sporting Goods and 1 point for every dollar spent on all other purchases. Points can be redeemed for various rewards, including discounts on future purchases, gift cards, and more. The cards rewards are versatile, allowing shoppers to maximize savings with each transaction.
Sign-Up Bonus
New cardholders can take advantage of a lucrative sign-up bonus. By making a minimum purchase of $500 within the first 90 days of account opening, cardholders can earn an additional 1,000 points. This welcome bonus offers an excellent incentive to start using the card immediately.
APR (Annual Percentage Rate)
The Dicks Sporting Goods ScoreRewards Mastercard has a standard APR ranging from 15.99% to 24.99%, depending on the applicants creditworthiness. It is worth noting that there may be promotional offers available, such as a 0% introductory APR for the first 12 months on purchases made after account opening, making it a cost-effective option for new cardholders.
Foreign Transaction Fees
This card does not charge any foreign transaction fees, making it an excellent choice for international travelers who want to use their card abroad without worrying about additional charges.
Balance Transfer Options
The ScoreRewards Mastercard offers special balance transfer options, sometimes featuring a 0% APR for the first 12 months. However, there may be a transfer fee associated with these transfers, generally about 3% of the transferred amount. This feature allows cardholders to effectively manage existing debt while earning rewards.
Additional Fees
While the card boasts many positive attributes, prospective users should be aware of other fees. The card may impose late payment fees of up to $38 and cash advance fees that could reach 5% of the transaction amount. Understanding these fees is crucial for responsible card management.
Card Benefits and Perks
In addition to its rewards program, the ScoreRewards Mastercard comes with several benefits and perks. Cardholders may enjoy access to exclusive promotions, early sales notifications, and special discounts at Dicks Sporting Goods.
Customer Protections and Insurance
The Dicks Sporting Goods ScoreRewards Mastercard includes several customer protection features. Cardholders benefit from zero fraud liability, ensuring they wont be held accountable for unauthorized purchases. Additionally, there is purchase protection included, covering eligible purchases against theft or damage for a specific period.
Eligibility and Credit Score Requirements
To qualify for the ScoreRewards Mastercard, applicants generally need a credit score of at least 620. However, those with higher credit scores may be offered better terms and rates. The application process considers various factors, including credit history and income stability.
Introductory Offers
Alongside the 0% APR for the first 12 months mentioned earlier, the card occasionally offers other introductory promotions for new cardholders, which may vary seasonally. Keeping an eye on special offers can provide additional incentives for potential users.
Special Features or Unique Selling Points
The ScoreRewards Mastercard holds unique selling points, such as seasonal bonus rewards and exclusive member-only events. Cardholders can partake in limited-time offers that amplify their rewards potential, further enhancing the card’s value.
How to Apply
Applying for the Dicks Sporting Goods ScoreRewards Mastercard is straightforward. Interested individuals can apply online via the ‘>official website.
For more insightful financial information, don’t forget to visit UpCube.net.