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March 2009 Credit Card Survey

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Please select the letter to link to the alphabetical listing of credit card issuers:
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U

UMB Visa Platinum Rewards Credit Card

4900 Main Street Kansas City, MO 64106

  • Card issued by : UMB Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime (5.25 floor) + 03.90%
  • Purchase APR : 09.15%
  • Finance Calculation Method : Two-Cycle Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 23.75% V
  • Penalty/Default Trigger : Past due over 30 days
  • Maximum Default APR :27.90%
  • 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
    		0.00
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    3%
    N/A
    $15
    None    		 13.15% V
    N/A
    None
    N/A
    3.00%
    $15.00
    $50.00
  • Rebate Description: Earn points for every dollar spent on the UMB Visa Platinum Rewards credit card, plus earn double points for every dollar of interest billed. Redeem for cash back, travel or merchandise, or choose all three.
  • Special Notes: Use Cashway Checks to pay for purchases where your Visa card is not accepted.

Union Plus MasterCard (by HSBC)

One HSBC Center, Buffalo, NY 14203

  • Card issued by : HSBC Bank
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Low Intro Rate
  • Margin Index : Prime + 09.99 - 18.99%
  • Purchase APR : 13.99 - 22.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $15 - $35 depending on balance
  • Penalty/Default APR : 24.99% V
  • Penalty/Default Trigger : Your payment is not received until three or more days after the Payment Due Date on two occasions in a rolling12 month period. You exceed your credit limit twice in a rolling 12 month period. Your payment is not received until three or more days after the Payment Due Date and you exceed your credit limit once in a rolling 12 month period. You exceed your credit limit once and your payment is not received by the Payment Due Date twice in a rolling 12 month period.
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 1.00%
  • 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%
    6 months
    25 Days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 19.99% V
    N/A
    None
    N/A
    3.00%
    $5.00
    None
  • Rebate Description: N/A
  • Special Notes: Must be a union member.

United Nations Federal Credit Union Visa Classic

820 Second Avenue, 12th Floor New York, NY 10017-4504

  • Card issued by : United Nations Federal Credit Union
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 8.65%
  • Purchase APR : 11.90%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : $10,000
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $10 depending on balance
  • Late Payment Fee : $10 depending on balance
  • Penalty/Default APR : 18.00%
  • Penalty/Default Trigger : Late Payment
  • Maximum Default APR :18.00%
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : Available for members only
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		5.90%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    N/A
    N/A
    None
    None    		 N/A
    N/A
    None
    N/A
    N/A
    None
    None
  • Rebate Description: For every purchase you make using your UNFCU VISA Credit Card, you earn one (1) reward point that you can use toward gifts and travel merchandise anywhere in the world.
  • Special Notes: Available to members only.

US Bank Cash Rewards Visa Platinum Credit Card

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Cash Back
  • 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 : $39.00 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 :None
  • 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
    		0.00%
    6 months
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn up to 1% cash back on purchases. Redeem anytime with a minimum of $20 earned.
  • Special Notes: None

US Bank College Rewards Visa

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • 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 - $20
  • Over-the-Limit Fee : $39.00 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 :None
  • 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
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn points for purchases
  • Special Notes: None

US Bank Secured Visa

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • 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 : $35
  • Over-the-Limit Fee : $39.00 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 :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NV, OH, OR, SD, TN, UT, WA, WI, WY
  •  
    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
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: N/A
  • Special Notes: This is a secured card.

US Bank Select Rewards Visa Platinum Credit Card

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • 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 : $39.00 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 :None
  • 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
    		0.00%
    6 months
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn points for purchases
  • Special Notes: None

US Bank Visa Platinum Credit Card

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest
  • 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 - $40
  • Over-the-Limit Fee : $39.00 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 :None
  • 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
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: N/A
  • Special Notes: None

US Bank Visa Signature Credit Card

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 3.99%
  • Purchase APR : 07.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 - $75.00
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 30 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • Maximum Default APR :None
  • 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
    		0.00%
    6 months
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn points for purchases
  • Special Notes: None

US Bank Visa Travel Rewards Visa Platinum Credit Card

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards
  • 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 - $55
  • Over-the-Limit Fee : $39.00 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 :None
  • 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
    		0.00%
    6 months
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn points for purchases
  • Special Notes: None

US Bank Young Adult Visa

601 Second Avenue South Minneapolis, MN 55402

  • Card issued by : US Bank
  • 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 - $20
  • Over-the-Limit Fee : $39.00 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 :None
  • 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
    		0.00%
    6 months
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    N/A
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: N/A
  • 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.