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March 2009 Credit Card Survey

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S

Sandals and Beaches RewardsSM Platinum Plus® Visa® Card

PO Box 15020 Wilmington, DE 19850

  • Card issued by : Bank of America
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 5.99 - 7.99%
  • Purchase APR : 9.24 - 11.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3.00%
    N/A
    $10.00
    None    		 19.24%
    N/A
    None
    N/A
    3.00%
    $10.00
    None
  • Rebate Description: 5,000 bonus points after 1st qualifying purchase. Earn 1 point for every $1 in net retail purchases. Earn double points for purchases made at Sandals and Beaches resorts. Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates. No limit to the number of points you can earn each year. Points do not expire for 5 years. Points will not be earned for Cash advances, Balance Transfers, travelers checks, overdraft protections and convenience checks. You are not eligible to earn Points with the Choice Privileges Visa card if: 1) You are in default of your Cardholder Agreement (e.g., you do not make your Minimum Payment Due by the Payment Due Date) 2) Your Choice Privileges Visa account is closed by you or Bank of America.
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Non-promotional Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted below.

Saratoga's Community FCU Visa Classic

23 Division Street Saratoga Springs, NY 12866

  • Card issued by : Saratoga's Community FCU
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : N/A
  • Purchase APR : 12.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500.00
  • Maximum Credit Limit : $15,000.00
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $10.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : 23.99%
  • Penalty/Default Trigger : Failing to make any min. payment or other required payment by the due date. Breaking any promise made under the Card Agreement. Dying, filing for bankruptcy or becoming insolvent, that is, unable to pay your obligations when they become due. Making any false or misleading statements in any credit application or credit update. Something happening that the Credit Union believes may substantially reduce your ability to repay what you owe.
  • Maximum Default APR :23.99%
  • Universal Default Clause : No
  • Foreign Currency Fee : Variable
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    None
    N/A
    N/A
    N/A    		 12.90%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: Purchases made with a SCFCU Visa Card earn valuable score card points. Earned points can be redeemed for free merchandise and travel awards. Cardholder can view available merchandise and travel selections thru a website.
  • Special Notes: Available to members only.

Saratoga's Community FCU Visa Gold

23 Division Street Saratoga Springs, NY 12866

  • Card issued by : Saratoga's Community FCU
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Reward Points
  • Margin Index : N/A
  • Purchase APR : 09.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $3,000.00
  • Maximum Credit Limit : $20,000.00
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $10.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : 23.99%
  • Penalty/Default Trigger : Failing to make any min. payment or other required payment by the due date. Breaking any promise made under the Card Agreement. Dying, filing for bankruptcy or becoming insolvent, that is, unable to pay your obligations when they become due. Making any false or misleading statements in any credit application or credit update. Something happening that the Credit Union believes may substantially reduce your ability to repay what you owe.
  • Maximum Default APR :23.99%
  • Universal Default Clause : No
  • Foreign Currency Fee : Variable
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 09.90%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: Purchases made with a SCFCU Visa Card earns valuable score card points. Earned points can be redeemed for free merchandise and travel awards. Cardholder can view available merchandise and travel selections thru a website.
  • Special Notes: Available to members only.

Shell MasterCard From Citi

701 East 60th Street Sioux Falls, SD 57104

  • Card issued by : Citi Bank
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 14.99%
  • Purchase APR : 21.00%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Late Payment, Exceeding Credit Line, dishonored payment
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 Unknown
    N/A
    N/A

    N/A
    N/A
    N/A    		 18.99%
    N/A
    None
    N/A
    5%
    $5
    None
  • Rebate Description: 5% rebates on all Shell gasoline purchases and 1% rebates on purchases everywhere else. All rebates are automatically credited to your statement against future Shell gasoline purchases made with your card.
  • Special Notes: No annual fee the first year, and thereafter it is waived when 9 or more Shell gasoline purchases are made per year. A Shell Select Member Card is also available for more discounts.

Simmons First Visa Classic

501 Main Street Pine Bluff, AR 71601

  • Card issued by : Simmons First Natl Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : Prime + 5.00% but not less than 8.95% 05.00%
  • Purchase APR : 8.95%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $29 depending on balance
  • Late Payment Fee : $29 depending on balance
  • Penalty/Default APR : 16.95%
  • Penalty/Default Trigger : Late Payment in two or more months.
  • Maximum Default APR :Prime + 13% never less than 16.95%
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    None
    N/A
    None
    None    		 12.95%
    N/A
    None
    N/A
    3%
    $4
    $4
  • Rebate Description: N/A
  • Special Notes: If not approved for this account, may consider you for alternate product.

Simmons First Visa Gold Select

501 Main Street Pine Bluff, AR 71601

  • Card issued by : Simmons First Natl Bank
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index : Prime + 5.00% but not less than 8.95% 05.00%
  • Purchase APR : 8.95%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $29 depending on balance
  • Late Payment Fee : $29 depending on balance
  • Penalty/Default APR : 16.95%
  • Penalty/Default Trigger : Late Payment in two or more months.
  • Maximum Default APR :Prime + 13% never less than 16.95%
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    None
    N/A
    None
    None    		 12.95%
    N/A
    None
    N/A
    3%
    $4
  • Rebate Description: N/A
  • Special Notes: Purchase APR of Prime + 5.00% but not less than 8.95%

Solvay Bank MasterCard

1537 Milton Avenue Solvay, NY 13209

  • Card issued by : Solvay Bank
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 14.88%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $20.00 depending on balance
  • Late Payment Fee : $20.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 14.88%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: N/A
  • Special Notes: Available in banking area only.

Solvay Bank Visa Classic

1537 Milton Avenue Solvay, NY 13209

  • Card issued by : Solvay Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 14.88%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $20.00 depending on balance
  • Late Payment Fee : $20.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 14.88%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: N/A
  • Special Notes: Available in banking area only.

Sony Card (SM)

270 Park Ave New York, NY 10017

  • Card issued by : Chase Bank, USA NA
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 6.99 - 14.99%
  • Purchase APR : 10.24 - 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - 39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Late Payments, exceed credit line, dishonored pmnt, default with other cards by same issuer
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3.00%
    N/A
    $5
    $99    		 19.24-23.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn 1 Sony Reward Point for every $1 you spend on everyday purchases. Earn 3 Sony Reward Points for every $1 on any Sony® product when purchased from an authorized Sony retailer. Earn 5 Sony Reward Points for every $1 at SonyStyle.com and Sony Style® stores
  • Special Notes: You must be at least 18 years old to qualify (19 in AL and NE).

Southwest Airlines Rapid Rewards Visa® Signature

PO Box 8600 Wilmington, DE 19886

  • Card issued by : Chase Bank, USA NA
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime + 9.99%
  • Purchase APR : 13.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : N/A
  • Annual Fee : $59
  • Over-the-Limit Fee : None depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3%
    N/A
    $5
    $99    		 19.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Receive 2 Reward Dollars for every $1 spent on Southwest Airlines purchases and 1 Reward Dollar for every $1 spent on all other purchases. 1,200 Reward Dollars equals 1 Rapid Rewards credit. 16 credits within 24 consecutive months equal one fully transferable roundtrip Award good to any of the 60 destinations Southwest Airlines serves. After the 1st purchase, receive 4 bonus Rapid Rewards credits. Receive up to 5 more bonus credits when you transfer balances. Classic cardmembers earn a max. of 58,000 Reward Dollars per year and do not earn Double Reward Dollars. Award travel is subject to September 11th Security fee of up to $10. Will not earn Reward Dollars, and may not receive Southwest Airlines Rapid Rewards credits, if your card account is in default. Reward Dollars are also earned when you transfer balances, for the first 90 days your account is open (up to $6k). Reward Dollars are not earned on convenience checks, cash advances, or fees, incl. fees for products that insure the balance of the account.
  • Special Notes: The minimum gross annual income required for an account is $14,400. You must be at least 18 years old to qualify (19 in AL and NE).

Sovereign Bank Rewards Card by American Express

1130 Berkshire Blvd Wyomissing, PA 19610

  • Card issued by : Sovereign Bank
  • Card Type : AmEx
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : N/A 5.99-11.99
  • Purchase APR : 10.99-16.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $2,000.00
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 28.99%
  • Penalty/Default Trigger : Late Payments, exceed credit line
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 01.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    03.00%
    N/A
    $10
    None    		 20.99%
    N/A
    None
    N/A
    03.00%
    $10
    None
  • Rebate Description: Earn 1 point per $1 of net retail purchases charged. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice, some purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn points. Points are valid for 5 years.
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents.

Sovereign Bank Student Platinum Plus

1130 Berkshire Blvd Wyomissing, PA 19610

  • Card issued by : Sovereign Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : N/A 10.99%
  • Purchase APR : 14.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $2,000.00
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 19.99%
  • Penalty/Default Trigger : Late Payments, exceed credit line
  • Maximum Default APR :19.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    03.00%
    N/A
    $10
    None    		 24.24%
    N/A
    None
    N/A
    03.00%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents.

Sovereign Bank WorldPoints Platinum Plus

1130 Berkshire Blvd Wyomissing, PA 19610

  • Card issued by : Sovereign Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : N/A 05.99-11.99
  • Purchase APR : 10.99 - 16.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $2,000.00
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 28.99%
  • Penalty/Default Trigger : Late Payments, exceed credit line
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    03.00%
    N/A
    $10
    None    		 20.99%
    N/A
    None
    N/A
    03.00%
    $10
    None
  • Rebate Description: Earn 1 point per $1 of net retail purchases charged. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice, sm purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn points. Points are valid for 5 years.
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents.

Special ConnectionsSM VISA® Classic

1000 Walnut Kansas City, MO 64106

  • Card issued by : Commerce Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Intro Rate
  • Margin Index : Prime + (6.00% Floor) 3.99 - 13.99%
  • Purchase APR : 09.99 - 19.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $5,000
  • Annual Fee : $0
  • Over-the-Limit Fee : $29 depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.99%
  • Penalty/Default Trigger : If during an introductory or promotional rate period, they do not receive the minimum payment by the due date 2 times in any 12 month period (non-consecutive), they may immediately terminate the introductory or promotional rate and standard APRs will apply. If during an introductory or promotional rate period, they do not receive the minimum payment by the due date for two consecutive months, the late payment rate will apply.
  • Maximum Default APR :Prime plus up to 21.99%
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $10
    		 21.99%
    N/A
    None
    N/A
    3%
    $10
  • Rebate Description: N/A
  • Special Notes: $100,000 Travel Accident Insurance

Speedway SuperAmerica Platinum MasterCard

PO Box 15018 Wilmington, DE 19850

  • Card issued by : Chase Bank, USA NA
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 9.99 - 14.99%
  • Purchase APR : 13.24 - 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Late Payments twice in a six month period
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $5
    		 19.24 - 23.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Get 10,000 bonus points after the first use of your card. Earn 40 points for each $1 of Net Purchases at qualified Speedway or SuperAmerica locations and 10 points for each $1 of all other Net Purchases. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind. There is no maximum number of points that you can accumulate in the program.
  • Special Notes: None

Starbucks Card Duetto® Visa®

PO Box 15018 Wilmington, DE 19850

  • Card issued by : Chase Bank, USA NA
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Cash Back
  • Margin Index : Prime + 6.99 - 14.99%
  • Purchase APR : 10.24 - 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Late Payments twice in a six month period
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $5
    		 19.24-23.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn Cash back for purchases including $10 for first card purchases in form of Duetto Dollars.
  • Special Notes: None

State Employees FCU Visa Capital Card

PO Box 12189 Albany, NY 12212

  • Card issued by : State Employees FCU
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Intro Rate
  • Margin Index : N/A
  • Purchase APR : 14.90%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $10 depending on balance
  • Late Payment Fee : 3% of amount due depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		9.90%
    12 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 14.90%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: N/A
  • Special Notes: Available to members only. May become a member if you live, work, attend school or worship in Albany, Schenectady, Troy, Cohoes, Watervliet, Rensselaer, Mechanicville, or Green Island or if you are employed by, volunteer for, are a member of, or are retired from participating SEFCU member group.

State Employees FCU Visa Gold Card

PO Box 12189 Albany, NY 12212

  • Card issued by : State Employees FCU
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Low Intro Rate
  • Margin Index : Prime +
  • Purchase APR : 9.00%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $10 depending on balance
  • Late Payment Fee : 3% of amount due depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		6.90%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 8.25%
    N/A
    None
    N/A
    Unknown
    Unknown
    Unknown
  • Rebate Description: N/A
  • Special Notes: Available to members only. May become a member if you live, work, attend school or worship in Albany, Schenectady, Troy, Cohoes, Watervliet, Rensselaer, Mechanicville, or Green Island or if you are employed by, volunteer for, are a member of, or are retired from participating SEFCU member group.

State Farm Bank Good Neighbour Visa

PO Box 84062 Columbus, GA 31908

  • Card issued by : State Farm Bank, FSB
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Intro Rate
  • Margin Index : Prime + 05.99-14.99
  • Purchase APR : 11.99-18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : $25,000
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 24.24%
  • Penalty/Default Trigger : Late payments: twice by due date, exceed credit line, dishonor pmnt
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee : 1%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    9 months
    None
    3% after 90 days
    N/A
    $5
    $150    		 20.24%
    N/A
    None
    N/A
    3%
    $5
    None
  • Rebate Description: N/A
  • Special Notes: None

State Farm Bank Platinum Rewards Visa

PO Box 84062 Columbus, GA 31908

  • Card issued by : State Farm Bank, FSB
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 4.99-14.99%
  • Purchase APR : 11.99-18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : $25,000
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 24.24%
  • Penalty/Default Trigger : Late payments: twice by due date, exceed credit line, dishonor pmnt
  • Maximum Default APR :Prime + 20.99%
  • Universal Default Clause : No
  • Foreign Currency Fee : 1%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 2.90%
    3-9 months
    None
    3% after 90 days
    N/A
    $5
    $150    		 20.24%
    N/A
    None
    N/A
    3%
    $5
    None
  • Rebate Description: Platinum Rewards cardholders are eligible for the benefit, known as "State Farm Dollars." At the end of each account cycle, as Platinum Rewards cardholder, you earn a full 1% on every purchase. For the first 30 days after the account is opened, earn 2% in State Farm Dollars on insurance premium payments when you use your new card. Returned merchandise will be deducted from the amount of new purchases. State Farm Dollars may be applied toward the State Farm® product of your choice. Earn as few as 50 State Farm Dollars to redeem and apply toward the State Farm product of your choice. There is no limit to the amount of State Farm Dollars you can earn per year. The Dollars will expire 5 years from the month in which they were originally earned.
  • Special Notes: None

Steuben Trust College Rewards Visa Card

82 Main Street Hornell, NY 14843

  • Card issued by : Steuben Trust Co
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 5.99 - 14.99%
  • Purchase APR : 9.24-18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 - $40
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 15 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3%
    N/A
    $5
    $50    		 20.99%
    N/A
    None
    N/A
    3 - 4%
    $5 - $20
    None
  • Rebate Description: 1,000 point enrollment bonus. Earn 1 point for each net purchase $1 charged to the account. Redeem points for consumer electronics like CD players, MP3 players, DVD players, TVs, and stereo systems. Point earnings are reflected on your monthly credit card statement.
  • Special Notes: Cash Advance Fee: 4% or $10 minimum; Balance Transfer Fee: 3% or $5 minimum; Cash Equivalent Fee: 4% or $20 minimum; Convenience Check Cash Advance Fee: 3% or $5 minimum.

Steuben Trust Visa Platinum Card

82 Main Street Hornell, NY 14843

  • Card issued by : Steuben Trust Co
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 07.24-20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 - $40
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 15 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3% after 6 Months
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    4 %
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Cash Advance Fee: 4% or $10 minimum; Convenience Check Cash Advance Fee: 3% or $5 minimum; Cash Equivalent Fee: 4% or $20 minimum; Cash Equivalent Fee for Platinum (Alternative Pricing): 5% or $20 minimum.

Steuben Trust Visa Secured

82 Main Street Hornell, NY 14843

  • Card issued by : Steuben Trust Co
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : Prime + 14.99%
  • Purchase APR : 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 - $40
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 15 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3%
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    3 - 4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Cash Advance Fee: 4% or $10 minimum; Convenience Check Cash Advance Fee: 3% or $5 minimum; Cash Equivalent Fee: 4% or $20 minimum.

Steuben Trust Visa Signature Card

82 Main Street Hornell, NY 14843

  • Card issued by : Steuben Trust Co
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 7.24-20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 15 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3% after 6 Months
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Cash Advance Fee: 4% or $10 minimum; Convenience Check Cash Advance Fee: 3% or $5 minimum; Cash Equivalent Fee: 4% or $20 minimum; Cash Equivalent Fee for Platinum (Alternative Pricing): 5% or $20 minimum.

Stissing Natl Bank of Pine Plains MasterCard

Church Street Pine Plains, NY 12567

  • Card issued by : Stissing Natl Bank of Pine Plains
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 13.90% Fixed
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 for first year with purchase
  • Over-the-Limit Fee : $15.00 depending on balance
  • Late Payment Fee : $15.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Late Pmnt
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 13.90% Fixed
    N/A
    None
    N/A
    0.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to Duthess and Columbia Counties of New York and in Litchfield County Connecticut.

Stissing Natl Bank of Pine Plains MasterCard Gold

Church Street Pine Plains, NY 12567

  • Card issued by : Stissing Natl Bank of Pine Plains
  • Card Type : MasterCard
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 13.90% Fixed
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 for first year
  • Over-the-Limit Fee : $15.00 depending on balance
  • Late Payment Fee : $15.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Late Pmnt
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 13.90% Fixed
    N/A
    None
    N/A
    0.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to Duthess and Columbia Counties of New York and in Litchfield County Connecticut.

Stissing Natl Bank of Pine Plains Visa Classic

Church Street Pine Plains, NY 12567

  • Card issued by : Stissing Natl Bank of Pine Plains
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 13.90% Fixed
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 for first year
  • Over-the-Limit Fee : $15.00 depending on balance
  • Late Payment Fee : $15.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Late Payment
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 13.90% Fixed
    N/A
    None
    N/A
    0.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to Duthess and Columbia Counties of New York and in Litchfield County Connecticut.

Stissing Natl Bank of Pine Plains Visa Gold

Church Street Pine Plains, NY 12567

  • Card issued by : Stissing Natl Bank of Pine Plains
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 13.90% Fixed
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 for first year
  • Over-the-Limit Fee : $15.00 depending on balance
  • Late Payment Fee : $15.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Late Pmnt
  • Maximum Default APR :Unknown
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 13.90% Fixed
    N/A
    None
    N/A
    0.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to Duthess and Columbia Counties of New York and in Litchfield County Connecticut.

Subaru Platinum Mastercard

2 Chase Manhattan Plaza, 21st Floor New York, NY 10081

  • Card issued by : Chase Bank, USA NA
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 6.99 - 14.99%
  • Purchase APR : 10.24-18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Late Pmnt, Exceed Credit line, dishonor pmnt
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $5
    		 19.24-23.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn 3% in Subaru Reward Dollars on every purchase you make. You can earn up to 500 Subaru Reward Dollars per year. Each time you accumulate 100 Subaru Reward Dollars, get a reward coupon that can be used to purchase Subaru auto parts and Subaru services or to buy or lease a brand new Subaru vehicle. Receive 25 Subaru Reward Dollars after your first purchase. Reward Dollars are accepted at any authorized Subaru dealership in the continental United States including Alaska. You do not earn Subaru Reward Dollars on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind. Maximum Subaru Reward Dollars you can earn on net purchases is 500 Subaru Reward Dollars Annually.
  • Special Notes: None

SunTrust Platinum Visa

303 Peachtree Street, Northeast Atlanta, GA 30308

  • Card issued by : SunTrust Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Intro Rate,Regular
  • Margin Index : Prime + 01.74 - 07.74%
  • Purchase APR : 09.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $29 - $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Late Pmnt of Exceed Credit Line
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $10
    $75 (intro only)    		 19.99%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: None

SunTrust Platinum Visa with SunTrust Rewards

303 Peachtree Street, Northeast Atlanta, GA 30308

  • Card issued by : SunTrust Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Intro Rate,Reward Points
  • Margin Index : Prime + 04.74 - 07.74%
  • Purchase APR : 09.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $29 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Late Pmnt of Exceed Credit Line
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $10
    $75 (intro only)    		 19.99%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn one SunPoint for every $1 in qualifying purchases when you use your SunTrust Visa Signature® or SunTrust Platinum Visa with SunTrust Rewards Credit Card. Choose from cash back to your account, airline tickets, gift cards, merchandise, memorable experiences, and more.
  • Special Notes: None

SunTrust Visa Signature with SunStrust Rewards

303 Peachtree Street, Northeast Atlanta, GA 30308

  • Card issued by : SunTrust Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 3.74-.74%
  • Purchase APR : 11.99-15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $29 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Late Pmnt of Exceed Credit Line
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3.00%
    N/A
    $10
    $75 (intro only)    		 19.99%
    N/A
    None
    N/A
    3 %
    $10
    None
  • Rebate Description: Earn one SunPoint for every $1 in qualifying purchases when you use your SunTrust Visa Signature® or SunTrust Platinum Visa with SunTrust Rewards Credit Card. Choose from cash back to your account, airline tickets, gift cards, merchandise, memorable experiences, and more.
  • Special Notes: None
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.