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Tag: zero annual fee
KeyBank Secured Visa Platinum
Explore the KeyBank Secured Visa Platinum
If you are looking to rebuild your credit or establish a healthy credit history, the KeyBank Secured Visa Platinum could be your perfect financial companion. Issued by KeyBank, this secured credit card enables you to enjoy several benefits while minimizing your risks. Below, we will dive deep into the various features, fees, and advantages of the KeyBank Secured Visa Platinum.
Card Type
The KeyBank Secured Visa Platinum is classified as a secured credit card. This type of card requires a cash deposit that acts as your credit limit, making it an excellent choice for those who are looking to improve their credit score.
Annual Fee
One of the attractive features of the KeyBank Secured Visa Platinum is that it comes with a $0 annual fee. This makes it an economical choice for those who wish to manage their expenses efficiently.
Rewards Program
Unlike many traditional credit cards that offer cashback or travel rewards, the KeyBank Secured Visa Platinum focuses primarily on building credit rather than generating rewards. However, every responsible use of the card contributes positively to your credit score, which can pave the way for future credit opportunities.
Sign-Up Bonus
This card does not typically offer a sign-up bonus as found in many unsecured credit cards. However, securing the card does lay the foundation for better credit opportunities in the future if adequately managed.
APR (Annual Percentage Rate)
The regular APR for the KeyBank Secured Visa Platinum is competitive, standing at a variable APR of 22.99%. While there are no introductory APR offers, maintaining timely payments can help you avoid additional interest charges.
Foreign Transaction Fees
When traveling abroad, the last thing you want is unexpected costs. The KeyBank Secured Visa Platinum has a foreign transaction fee of 3% of each transaction made outside the U.S. It’s essential to consider this charge when using the card internationally.
Balance Transfer Options
Currently, the KeyBank Secured Visa Platinum does not provide any promotional balance transfer options or zero-interest introductory offers. If you are looking to consolidate debt with lower fees, you may need to explore other card options.
Additional Fees
While the card has no annual fee, be mindful of some other potential fees associated with its use. This includes:
- Late Payment Fee: Up to $37
- Cash Advance Fee: The greater of $5 or 3% of the transaction.
Card Benefits and Perks
Although this secured card does not come with extravagant perks frequently offered by premium credit cards, it has essential benefits, including:
- Fraud Liability Protection: Cardholders are protected against unauthorized charges.
- Monthly Reporting to Credit Bureaus: Responsible usage ensures better credit development.
Customer Protections and Insurance
The KeyBank Secured Visa Platinum offers various customer protections. These features include:
- Purchase Protection: Covers your purchases against theft or damage.
- Extended Warranty: Extends the manufacturer’s warranty for eligible purchases.
Eligibility and Credit Score Requirements
This secured credit card is aimed primarily at individuals looking to establish or rebuild their credit scores. A recommended credit score is typically below 620 for approval, making it suitable for a wide audience.
Introductory Offers
As this card does not typically feature introductory offers like 0% APR promotions, users are encouraged to focus on building credit history through consistent repayments instead.
Special Features or Unique Selling Points
The KeyBank Secured Visa Platinum stands out because it is specifically designed for those who might have credit challenges. Building your credit this way is a significant advantage, particularly compared to unsecured cards for applicants with limited credit history.
How to Apply
Applying for the KeyBank Secured Visa Platinum is straightforward. Interested individuals can apply ‘>Official Website or check out UpCube.net for further financial insights.
Bank of America Customized Cash Rewards for Students
Bank of America Customized Cash Rewards for Students
The Bank of America Customized Cash Rewards for Students credit card is a fantastic option tailored specifically for students who want to earn rewards while managing their finances responsibly. Bank of America, a leading financial institution, offers this student credit card primarily aimed at young adults looking to build their credit history smoothly through a cashback rewards program.
Card Type
This card is classified as a cashback card, providing users with an opportunity to earn cashback on various purchases. This feature makes it an ideal choice for students who regularly spend on essentials like groceries and dining while still wanting to accumulate rewards for their expenditures.
Annual Fee
One of the most appealing aspects of the Bank of America Customized Cash Rewards for Students card is its zero annual fee. This allows students to maximize their rewards without worrying about an additional cost burden, making it a budget-friendly choice.
Rewards Program
The rewards structure of this card is designed to meet the spending habits of students. Users can earn 3% cashback in a category of their choice, such as gas, online shopping, dining, travel, drug stores, or home improvement. Additionally, users earn 2% cashback at grocery stores and wholesale clubs on the first $2,500 spent in combined categories each quarter, and a flat 1% cashback on all other purchases. Cashback rewards can be redeemed as a statement credit, direct deposit, or check, providing flexibility in how to utilize the earned rewards.
Sign-Up Bonus
The card often features an enticing sign-up bonus. As of the latest information, new cardholders may qualify for a cash bonus by spending a specific amount within the first 90 days of account opening. This bonus can significantly enhance the rewards experience and provide a boost to the rewards earned upfront.
APR (Annual Percentage Rate)
The Bank of America Customized Cash Rewards for Students card comes with a regular APR that ranges from 16.24% to 26.24%, based on creditworthiness, which is competitive in the market. Moreover, there may be an introductory 0% APR on purchases for the first 18 billing cycles, allowing students to make larger purchases without immediate interest worries.
Foreign Transaction Fees
This card does not charge any foreign transaction fees, making it an excellent choice for students studying abroad or traveling. Cardholders can use their card internationally without incurring high costs associated with foreign transactions, an invaluable benefit for those who may travel during their academic journey.
Balance Transfer Options
Students looking to consolidate debts can benefit from the Bank of America Customized Cash Rewards for Students cards balance transfer options. The card may offer a 0% introductory APR on balance transfers for the first 18 billing cycles, though a fee applies, typically around 3% of the amount transferred, enhancing convenience in financial management.
Additional Fees
It’s important to be aware of potential additional fees associated with this credit card. Late payment fees can reach up to $40, and cash advance fees may incur a fee of either $10 or 3% of the advance, whichever is greater. Students should be cautious of their spending habits to avoid unwanted fees.
Card Benefits and Perks
This card offers an array of benefits tailored to enhance the student experience. Benefits may include discounts on various services, educational tools, and financial literacy resources, helping students manage their finances better. The card may also provide rental car insurance, giving students peace of mind while traveling.
Customer Protections and Insurance
The card sees significant customer protections, including fraud liability protection, so in case of unauthorized use, cardholders are not responsible for those charges. Furthermore, the card typically offers purchase protection for eligible purchases against damage or theft, adding an extra layer of security.
Eligibility and Credit Score Requirements
Students applying for the Bank of America Customized Cash Rewards for Students card should ideally possess a credit score of 580 or higher. However, there’s a greater emphasis on income and the ability to repay rather than a strict focus on credit score alone.
Introductory Offers
The card features a 0% APR on purchases for the first 18 billing cycles, allowing students to finance their purchases without accruing interest during this period. This offer incentivizes responsible spending and timely repayments.
Special Features or Unique Selling Points
One notable feature of this card is the customizable cashback categories, allowing students to tailor their rewards according to their spending habits, a unique advantage that many other student credit cards do not offer.
How to Apply
Students can easily apply for the Bank of America Customized Cash Rewards for Students card ‘>apply for the Bank of America Customized Cash Rewards for Students now!
For more financial insights, visit UpCube.net.
Fortera Credit Union Student Visa
Fortera Credit Union Student Visa: A Comprehensive Overview
The Fortera Credit Union Student Visa is designed specifically for students seeking to establish their credit history while enjoying numerous benefits that cater to their unique financial needs. Issued by Fortera Credit Union, this card offers a range of features that make it an excellent choice for young adults embarking on their financial journeys.
Card Type
The Fortera Credit Union Student Visa is a student credit card, tailored for individuals who are enrolling in higher education institutions. It serves as an ideal financial tool for those looking to build credit responsibly while managing their spending.
Annual Fee
One of the standout features of this credit card is its $0 annual fee. This means students can utilize the card without worrying about extra charges typically associated with many credit cards, making it budget-friendly for those on a tight financial plan.
Rewards Program
The rewards program provides an avenue for students to earn cashback on their purchases. Cardholders can enjoy 1.5% cashback on all eligible purchases, which can be particularly beneficial for students who frequently buy textbooks, supplies, or other essentials. Cashback rewards can be redeemed directly as statement credits, making it a simple and flexible way to save money.
Sign-Up Bonus
New applicants can take advantage of a welcome bonus that awards bonus cashback on their first $1,000 spent within the first three months of account opening. This feature incentivizes new cardholders to use their card and jumpstart their rewards accumulation from the outset.
APR (Annual Percentage Rate)
The Fortera Credit Union Student Visa offers a competitive regular APR of 14.99% for purchases. For new cardholders, an introductory APR of 0% for the first six months is also available, allowing students to make larger purchases without incurring interest during a crucial transition into college life.
Foreign Transaction Fees
For students who study abroad or travel internationally, the Fortera Credit Union Student Visa does not impose any foreign transaction fees. This feature makes it a practical option for those who plan on using their card outside of the United States.
Balance Transfer Options
The card provides a balance transfer offer, allowing students to transfer balances from other high-interest credit cards at a favorable 0% APR for the first 12 months. This allows for a straightforward way to manage debts by reducing overall interest costs.
Additional Fees
In addition to its no annual fee, this card has several important fees that prospective cardholders should be aware of. Late payment fees are typically around $35, and cash advance fees may apply, often set at either a flat fee or a percentage of the cash advance amount.
Card Benefits and Perks
The Fortera Credit Union Student Visa comes with several benefits aimed at enhancing the user experience. Cardholders receive access to travel insurance for trips booked with the card, 24/7 customer service, and discounts on specific retail purchases. These perks can greatly enhance a student’s lifestyle and financial flexibility.
Customer Protections and Insurance
In terms of security, the card offers fraud liability protection, ensuring that cardholders are not held responsible for unauthorized transactions. Additionally, the card features purchase protection, which covers eligible items against theft or damage for a set period after the purchase. Lastly, rental car insurance is provided for reservations made with the card, adding a layer of security during travel.
Eligibility and Credit Score Requirements
To qualify for the Fortera Credit Union Student Visa, a recommended credit score of 600 or higher is suggested, though students without established credit histories may still have opportunities for approval based on their financial standing. Additionally, applicants must be a student enrolled at an accredited institution.
Introductory Offers
The introductory offers available to new applicants include the aforementioned 0% APR for both purchases and balance transfers for the first several months. These offers present students with a cost-effective way to manage their finances during the beginning stages of their credit journey.
Special Features or Unique Selling Points
What sets this card apart is its focus on students. It encourages responsible spending and provides extensive educational resources on credit management, making it a valuable tool for young consumers. The simplicity of its rewards program and lack of an annual fee are considerable draws for students newly facing financial independence.
How to Apply
Applying for the Fortera Credit Union Student Visa is a straightforward process. Prospective cardholders can apply ‘>Official Website.
For more financial insights, consider visiting UpCube.net.
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Chase Slate Edge
Chase Slate Edge Credit Card: Your Comprehensive Guide
The Chase Slate Edge is a credit card that stands out in the crowded market due to its robust features and benefits. Issued by JPMorgan Chase & Co., this card caters to a wide range of consumers looking to manage their finances efficiently while reaping rewards. This detailed overview will delve into all aspects of the Chase Slate Edge, including its rewards structure, fees, benefits, and much more.
Card Type
The Chase Slate Edge is categorized as a cashback credit card, designed for individuals who want to earn rewards without incurring high annual fees. This card blends the benefits of traditional cashback with features favorable for balance management, making it ideal for everyday spending.
Annual Fee
One of the appealing aspects of the Chase Slate Edge is that it comes with $0 annual fee. This feature positions it as an excellent choice for consumers who want to maximize rewards without the burden of an annual cost.
Rewards Program
The rewards program of the Chase Slate Edge is straightforward and user-friendly. Cardholders earn 1.5% cashback on every purchase. Additionally, new cardholders can benefit from an increased cashback rate of 3% on purchases during their first year, allowing for substantial rewards on everyday expenses. Cashback can be redeemed for statement credits, direct deposits, gift cards, or travel purchases, ensuring flexibility and ease of use.
Sign-Up Bonus
Upon approval, new cardholders have the opportunity to earn a welcome bonus. Typically, the bonus is contingent on spending a certain amount (for example, $500) within the first three months of account opening. This welcome offer enhances the onboarding experience for new users.
APR (Annual Percentage Rate)
The Chase Slate Edge features a competitive APR that generally ranges from 15.99% to 24.74%, depending on creditworthiness. Notably, new cardholders might benefit from an introductory 0% APR on purchases and balance transfers for the first 15 months, providing an excellent opportunity for those looking to finance larger purchases without accruing interest.
Foreign Transaction Fees
For those who travel internationally, the Chase Slate Edge is particularly advantageous as it comes with no foreign transaction fees. This feature allows cardholders to make purchases abroad without worrying about additional costs, enhancing its appeal for travelers.
Balance Transfer Options
The card offers special balance transfer options with a 0% APR for the first 15 months, making it easier to consolidate existing debt. A balance transfer fee typically applies, which can be advantageous when transferring high-interest balances.
Additional Fees
While there are no annual fees, cardholders should be aware of other important fees. Late payment fees could reach up to $40, and cash advance fees may apply, typically either $10 or 5% of the amount, whichever is higher.
Card Benefits and Perks
The Chase Slate Edge includes several benefits and perks designed to enhance the user experience. These benefits may include access to travel assistance services, purchase protection, and extended warranty coverage on eligible purchases. Moreover, cardholders may receive exclusive offers and discounts through the issuer’s partnerships.
Customer Protections and Insurance
Security is a priority with the Chase Slate Edge, offering fraud liability protection where cardholders are not responsible for unauthorized transactions. Additionally, purchase protection and rental car insurance provide added peace of mind for consumers making substantial investments.
Eligibility and Credit Score Requirements
To be eligible for the Chase Slate Edge, applicants should ideally possess a credit score in the range of good to excellent (approximately 700 and above). The issuer may consider other factors, such as income and credit history, during the approval process.
Introductory Offers
The introductory offer includes a 0% APR for both new purchases and balance transfers for the first 15 months. This enticing offer can help users manage their finances effectively without incurring interest costs initially.
Special Features or Unique Selling Points
One of the unique selling points of the Chase Slate Edge is its emphasis on consumer-friendly financial management. The straightforward cashback rewards structure and lack of annual fees make it a solid choice for budget-conscious users.
How to Apply
If you’re interested in applying for the Chase Slate Edge, you can do so conveniently online. The application process is easy and typically only takes a few minutes. For more details and to submit an application, visit the ‘>Apply Here and start maximizing your spending today!
For more financial insights and expert advice on credit cards and personal finance, visit UpCube.net.