dcsimg
This offer is no longer available on CardRatings.com.

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

About Our Ratings
Credit Needed
Excellent

The Kings Bay YM-YWHA Visa® Platinum Rewards Card Review

Top Features

Cashback on Gas
None
Cashback on groceries
None
Cashback on other
None
Annual Fee
$0

This card compared to other cash back cards

Card Name
The Kings Bay YM-YWHA Visa® Platinum Rewards Card
Cashback on Gas
None
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
None
1-5%
Unlimited 1.5% cash back
Cashback on other
None
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
None
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
13.99% - 17.99% Variable 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

The Kings Bay YM-YWHA Visa® Platinum Rewards Card details

Balance Transfer Intro APR:
0%
Balance Transfer Intro Period:
12 billing_cycles
Purchase Intro:
APR:
None
Purchase APR:
13.99% - 17.99% Variable
Annual Fee:
$0
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 
 
 
Margin:
 10.74 - 14.74
 10.74 - 14.74
 21.74
APR:
  13.99% - 17.99% Variable
 13.99% - 17.99% Variable
 24.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 0%
 None
Intro Period:
 none
 12 billing_cycles
 none


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 $0
Foreign Transaction Fee:
 2%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% ($15 min. )  


Notes:

Rebate Description:
 Receive Visa Platinum benefits including online banking, auto rental, travel insurance, and much more. Earn redeemable rewards points by shopping at participating retailers.
Special Notes:
 APR for Balance Transfers: 0.00% Introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for Balance Transfers made more than 60 days from account opening, 13.99% to 17.99% (based on your credit worthiness) if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance Transfer is treated as a Cash Advance. These APRs will vary with the market based on the Prime Rate. Balance Transfer Fee: 3% of the amount of the Balance Transfer, with a $15 minimum and no maximum. Cash Advance Fee: 3% of the amount of the Cash Advance, with a $15 minimum and $50 maximum. Foreign Transaction Fee: 2% of the US Dollar amount of each Cash Advance or Purchase. Grace Period for Purchases is at least 21 days after the close of each billing cycle. Card issuer will generally begin charging interest on Cash Advances and Balance Transfers on the transaction date.
Credit Card More Information:

Card Issued By:
 UMB Bank
General Correspondence Address:
4900 Main Street
Kansas City, MO 64106
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.

Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback MatchTM. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good