Credit Cards
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CONSUMER CREDIT CARDS

BONUS REWARDS CARDS                                NON-REWARDS CARD

VISA® Bonus Rewards Card

VISA® Bonus Rewards Plus Card

VISA® Platinum Card

 GOOD FOR CONSUMERS WHO…

GOOD FOR CONSUMERS WHO…

GOOD FOR CONSUMERS WHO…

Want to earn bonus points

on every purchase.

Want to earn bonus points

on every purchase.

Want to save on interest.

Want to earn bonus points automatically.

Want to earn bonus points automatically.

Want to pay down balances.

Want to earn rewards every month and not pay an annual fee.

Want to earn more rewards even faster with a $50 annual fee.

Want the convenience of a Visa card without the annual fee or rewards.

REWARDS

REWARDS

REWARDS

Earn 1 point for every net $1 of spend, plus a 25% BONUS on all points earned every month.

Earn 1 point for every net $1 of spend, plus a 50% BONUS on all points earned every month.

Great low introductory rate.

No caps or limits on the points earned and consumers have at least years to redeem.

No caps or limits on the points earned and consumers have at least years to redeem.

 

Generous credit lines and online account access (just like other cards)

Points applied automatically at the end of each billing cycle.

Points applied automatically at the end of each billing cycle.

2,500 points ($25 cash back) with first purchase.

5,000 points ($50 cash back) with first purchase.

Rewards choices include:

·                Unlimited 1% cash back

·                Merchandise available for as low as 1,800 points

·                Travel redemptions starting at 25,000 points

·                Gift cards available for as low as 2,500 points

 

 

Enjoy the everyday convenience of a Visa credit card.

INTRODUCTORY AND GO-TO RATES

INTRODUCTORY AND GO-TO RATES

INTRODUCTORY AND GO-TO RATES

0% introductory rate for the first 6 billing cycles on purchases and balance transfers.

0% introductory rate for the first 6 billing cycles on purchases and balance transfers.

0% introductory rate for the first 12 billing cycles on the purchases and balance transfers.

Post-introductory variable APR is PRIME plus 6.74%-17.74% based on credit worthiness.

Post-introductory variable APR is PRIME plus 6.74%-17.74% based on credit worthiness.

Post-introductory variable APR is PRIME plus 6.74%-17.74% based on creditworthiness.

ANNUAL FEE

ANNUAL FEE

ANNUAL FEE

$0

$50

$0

 

PLUS CONSUMERS CAN TAKE ADVANTAGE OF THESE OTHER CARD BENEFITS

WARRANTY MANAGER SERVICE Receive double the original manufacturer’s warranty on eligible purchases made with their eligible Visa card.

ZERO FRAUD LIABILITY PROTECTION Cardmembers won’t be held responsible for unauthorized purchases if their card is ever lost or stolen.

ANYTIME CARDMEMBER SERVICE Available 24 hours a day, 365 days a year via our toll-free number.

OTHER BENEFITS Also, auto rental collision and theft coverage, merchant discounts and more.

MINIMUM REQUIREMENTS: Must be 18 years of age, have a valid U.S. address and Social Security number.

CONSUMER SPECIALTY CREDIT CARDS

COLLEGE STUDENTS                           SECURED CREDIT

VISA® College Rewards

Secured VISA®

GOOD FOR CONSUMERS WHO…

GOOD FOR CONSUMERS WHO…

Are College students looking to rebuild their financial independence.

Are looking to rebuild credit.

Want to earn rewards

Need a credit card for situations where credit cards are necessary.

Want the flexibility of managing their account online.

REWARDS

REWARDS

Earn 1 point for every net $1 of spend.

Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.

1,000 bonus points with first purchase.

Maximum of 30,000 points earned annually.

Rewards choices include:

·         Cashback

·         Retail gift cards

·         Merchandise

·         Discount vouchers for travel

VARIABLE APR

VARIABLE APR

PRIME plus 8.74%-17.74% based on credit worthiness.

PRIME plus 17.74%.

ANNUAL FEE

ANNUAL FEE

$0

$35

MINIMUM REQUIREMENTS

MINIMUM REQUIREMENTS

Must be 18 years of age, have a valid U.S. address and Social Security number, and must be attending an accredited 2-4 year educational institution.  Must individually demonstrate an ability to repay the debts incurred.

Must be 18 years of age; have a valid U.S. address and Social Security number; and a security deposit in the form of a cashier’s check or money order or, if applying online, ACH transfer available.  Their credit limit will be equal to the amount of their security deposit.

 

IMPORTANT PHONE NUMBERS FOR CARDMEMBERS

Cardmember Service
(CONSUMER) 1-800-558-3424

LEARN MORE
Get tips on developing good credit at smartcreditmatters.com.

For more information on Bonus Rewards cards, visit my bonusrewards.com.