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first premier credit card pre approval

Premier America Credit Union offers members a contemporary banking experience. Credit Card with rewards as low as 10.99% Fixed APR*. Choose from Wells Fargo Visa Credit Cards with low intro rates, no annual fee, and more. Learn more and apply today at Wells Fargo online(R). Your journey to building credit starts here. A First PREMIER Bank credit card can help those with poor or bad credit take the next steps to financial.

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Citi Premier Review: Fantastic Value for a Reasonable Annual Fee

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.  Citi is an advertising partner of The Ascent.

The Citi Premier® Card has a modest annual fee, but it offers more bonus points than several cards that cost much more. Despite those bonus rewards and its additional travel perks, this card has flown under the radar, compared to more high-profile options from Chase and American Express. That's a shame, because based on its value and versatility, this is a top-tier travel card. Read our full Citi Premier® Card review to find out exactly what makes it so special. Citi is an advertising partner of The Ascent.

Citi Premier® Card

Citi Premier® Card

  • A solid pick with a big bonus and nice list of airlines transfer partners, plus it includes a robust rewards program beyond just travel

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Annual fee
    • Limited consumer and travel protections
    • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

Full Citi Premier review

This credit card is a good fit for: Cardholders who want to save money on flights and hotel stays. Travelers who like Citi's ThankYou Rewards program will earn lots of valuable points using this card.

Top perks

Sign up bonus

To get the 80,000 points sign-up bonus, you need to make $4,000 in purchases within the first three months. You can get a value of up to $0.0125 per point on travel bookings made through the Citi ThankYou travel portal, so the bonus is worth up to $1,000 toward travel.

Versatile rewards program

Earn up to 3 points per $1: This card's rewards rates include:

  • 3 points per $1 at restaurants and supermarkets
  • 3 points per $1 at gas stations, air travel, and hotels
  • 1 point per $1 on all other purchases

The Citi Premier® Card is one of the best travel rewards cards for earning a large number of points.

Annual hotel savings

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

Citi ThankYou Rewards program

Citi ThankYou points are among the most valuable types of travel rewards because of their redemption options. As mentioned above, you can get up to $0.0125 per point when you use those points on cash travel bookings through the Citi ThankYou travel portal. Citi also has well over a dozen different airline partners with which you can transfer points to book awards airfare. With the right booking, it's possible to get $0.03 per point or more.

No foreign transaction fee

It's important to get a travel card that you can use without paying extra, and the Citi Premier® Card qualifies. Another reason it's useful for international travel is that it's a Mastercard, one of the most widely accepted types of credit cards around the world.

Learn more: A guide to Citi Premier® Card benefits

  • If you want more luxury perks: The Citi Prestige® Card comes with a higher annual fee and a smaller bonus, but stick with us. It offers 5 points per $1 on air travel and restaurants, VIP airport lounge access, and lucrative credits that add up quickly.
  • If you want a different rewards plan: The Chase Sapphire Preferred® Card looks very similar to the Citi Premier® Card at a glance, with the same annual fee and a big sign up bonus. One big difference is that you'll get access to the Chase Ultimate Rewards program, which has a stronger roster of airline and hotel partners where you can transfer points.

As of Dec. 01, 2021

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Citi Prestige® Card

Chase Sapphire Preferred® Card

Read Review

Read Full Review

Credit Rating Requirement:

Excellent (740-850) Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Bonus:50,000 points after spending $4,000 within 3 months

50,000 ThankYou Points

Welcome Bonus:60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

60,000 points

Rewards Program:5x points for air travel and restaurants, 3x points for hotels and cruises, 1x point on other purchases

1x - 5x points

Rewards Program:5x points on travel booked with Chase, 3x points on dining, 2x points on travel, 1x points on other purchases. 25% more points for travel booked through Chase's portal.

1x - 5x points

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

16.99% - 23.99%, variable

Regular APR:

15.99% - 22.99% Variable

Annual Fee:

$495

Annual Fee:

$95

Highlights:

  • 5X ThankYou Points on air travel and restaurants
  • 3X ThankYou Points on hotels and cruise lines
  • 1X ThankYou points on all other purchases
  • No foreign transaction fee
  • Complimentary 4th night on hotel stays booked through ThankYou.com., up to twice per year
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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Citi Prestige® Card is unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

What could be improved

Consumer and travel protections

Citi drastically scaled back the protections its cards offer in 2019. It now lacks quite a few protections that you can get with other travel cards, such as rental car insurance, baggage protection, and trip cancellation or delay insurance.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare cards

Suggested credit score

You should have a FICO® Score of 670 or higher before applying for the Citi Premier® Card, because Citi is selective with the applicants it approves. Although the card issuer will base its decision on more than just your credit score, successful applicants usually report having very good credit.

Is the annual fee worth it?

Considering the value that the Citi Premier® Card offers, its $95 annual fee is a bargain for many people. The Citi Premier® Card benefits can easily cover the cost of the annual fee and more.

The card pays for itself with the $100 annual hotel savings. Even if you don't use that benefit each year, you can easily earn enough rewards points to outweigh the cost of the annual fee thanks to this card's generous bonus categories.

Because you can redeem your rewards for at least $0.0125 per point, you need to earn only 7,600 points per year to cover the cost of this card's annual fee. That's $7,600 in annual spending, or approximately $2,533.33 spent annually in this card's bonus categories.

It's also worth mentioning that the sign-up bonus is worth at least $1,000, giving the Citi Premier® Card tremendous value for the first year that you have it.

This credit card is right for you if:

The Citi Premier® Card is a great choice if you want a travel card that offers transferable points, can earn lots of rewards with its bonus categories and sign-up bonus, all for a modest annual fee. Here are a few signs that you should strongly consider applying:

  • You have high spending in its bonus categories. The array of rewards categories are hard to beat, especially on a card in this price range. It gives you the opportunity to get quite a bit of value from your regular spending.
  • You fly with Citi's airline partners regularly. Citi ThankYou points can be valuable when you transfer them to its airline partners. If you take at least one flight per year with one of these airlines, you'll likely be able to maximize the value of your points.
  • You book at least one $500+ hotel stay per year. Whether you're booking a lengthy stay or a luxurious one, that $100 annual hotel savings will already be worth more than you spend on this card's annual fee.

FAQs

  • The minimum credit limit for a Citi Premier® Card is typically $2,000. Credit limits of up to $20,000 have been self-reported by cardholders.

  • The Citi Premier® Card is a Mastercard. Specifically, it is a World Elite Mastercard®, which is the top of the three Mastercard tiers (Standard, World Mastercard®, and World Elite Mastercard®).

  • The Citi Premier® Card is relatively easy to get if you have good to excellent credit and can qualify for the minimum credit limit. In general, credit scores above 670 will have the best odds for approval.

Источник: https://www.fool.com/the-ascent/credit-cards/citi-premier-credit-card-review/

Create memories with the
Disney® Visa® Credit Cards
from Chase

Learn more

Learn more

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Make it possible with the Disney Premier Visa Card

Make it possible with the Disney Premier Visa Card

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more


Disney Benefits with Disney Visa Credit Cards from Chase

Disney Benefits with Disney Visa Credit Cards from Chase

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning


Ready to become a Disney Premier Visa Cardmember?

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in
the first 3 months from account opening with the Disney Premier Visa Credit Card.1

Источник: https://disneyrewards.com/

Visa Platinum Credit Card

Terms and conditions for all credit card products ›

All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank.

1Introductory and Regular Annual Percentage Rates: For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases made under your account will be 0.00%. For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Balance Transfers made under your account will be 0.00%. We will deem your account to be opened 10 days after we mail your credit card to you. Beginning on the first day of the eighth complete billing cycle after your account is opened for Purchases, your APR will be from 12.99% to 17.99% based on your creditworthiness when you open your account. Beginning on the first day of the eighth complete billing cycle after your account is opened for Balance Transfers, your APR will be from 12.99% to 17.99%, based on your creditworthiness when you open your account. These APRs will vary with the market based on the Prime Rate Index. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Purchases and Balance Transfers for the Platinum Card is 12.99% to 17.99%, effective as of 6/8/2020. The APR for Cash Advances will vary with the market based on the Prime Rate. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Cash Advances for the Platinum Card is 24.99%, as of  6/8/2020. Any change in the Index will result in a change in the APRs for Purchases, Balance Transfers and Cash Advances. Also, there is no time period within which you may pay to avoid the assessment of interest on Balance Transfers or Cash Advances because interest will accrue on any Balance Transfer from the posting date and on Cash Advances from the date of the transaction until it is paid in full. Additionally, a Balance Transfer Fee of 3% of the amount of each balance transfer and a Cash AdvanceFee of 5% of the amount of each cash advance will apply.

2To earn rewards points, purchases must be eligible credit card transactions. Eligible credit card transactions include any signature-based transaction made using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or cancelled card, gaming-related purchases, cash access transactions (such as, but not limited to, cash advances, the purchase of travelers cheques, money orders or cashier's checks), cash access transactions designated as purchases and account fees or finance charges, if any, are not eligible credit card transactions. In addition, PIN-based transactions made using your credit card account are not eligible credit card transactions. Other restrictions may apply.

For information about rewards points, cash back or other rewards, including any limitations and restrictions visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057.

3A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.

4Visa® Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. You must notify your card issuer promptly of any unauthorized use. Consult your issuer for additional details or visit www.visa.com/security.

5Actual time to receive a transaction alert is dependent on wireless service and coverage within area. Message and data rates may apply. Some PIN-based debit transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. For more information about Purchase Alerts, including any limitations and restrictions, go to www.hancockwhitney.com/purchase-alerts.

Apple is a trademark of Apple, Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. Samsung is a trademark or registered trademark of Samsung Electronics Co., Ltd.

Источник: http://www.hancockwhitney.com/personal-credit-cards
Recently Viewed

Build your credit and earn 1% Cash Back on all eligible purchases1

  • Make purchases like with any credit card
  • Build your credit by making on-time payments
  • Earn 1% Cash Back on all eligible purchases1
  • Your linked savings account works as a security deposit2

Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

Build your credit and earn 1% Cash Back on all eligible purchases1

  • Make purchases like with any credit card
  • Build your credit by making on-time payments
  • Earn 1% Cash Back on all eligible purchases1
  • Your linked savings account works as a security deposit2

Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

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How to get a TD Cash Secured Credit Card

Apply for the card

Apply online for the TD Cash Secured Credit Card

Open a savings account

Once you're conditionally approved, you will get instructions to open and fund a TD Simple Savings account as your security deposit

Fund your savings account

You'll need a minimum of $300 in your savings account to secure your card. You can use funds from another TD Bank, your debit card or an external account

Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.
  • How it works

  • Rates and fees

How the TD Cash Secured Credit Card works

  • Apply online
    If qualified, you'll receive conditional approval
  • Make a security deposit
    Once conditionally approved you'll open a TD Simple Savings account and make a deposit to secure your credit line
  • Set your credit limit
    Your security deposit is your credit limit. That means you can decide the amount that's best for you—from $300–$5,000, subject to credit approval
  • Graduate to an unsecured card
    If you use and maintain the card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit Card. Please keep in mind, not all accounts qualify for graduation. A decision to graduate is based on responsible credit management across all of your credit cards and loans, including TD and others.

Rates and fees

What you pay

Credit Line

$300–$5,000

Annual Percentage Rate (APR) for Purchases

22.99% variable APR

APR for Balance Transfers

22.99% variable APR

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge

$1

APR for Cash Advances

25.24% variable APR

Cash Advance Fee

$10 or 5% of advance whichever amount is greater

Annual Fee

$29 annual fee*

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment

Up to $40

Returned Payment

Up to $40

TD Bank Visa® Credit Card Benefits

Your TD Cash Secured Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more.

Find out how to build your credit

Understanding your credit score & report

Get to know your credit score and how you can improve it

Building a good credit score

Find out how to build and improve your credit

Credit scores & reports interactive guide

Get information on your credit score, how it’s calculated and how to protect it

Apply for a TD Cash Secured Card

Online

In person

Book an appointment at your local TD Bank to set up your account

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the Personal Credit Card Agreement for TD Cash Secured.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the Personal Credit Card Agreement for TD Cash Secured.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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Источник: https://www.td.com/us/en/personal-banking/credit-cards/secured-credit-card/

CREDIT CARDS

Frequently asked questions

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later on. While it sounds simple, credit can get complex. Take our quick credit quiz to test your knowledge and learn what you might need to brush up on.

There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.

The Rewards Center Earn Mall is an online, one-stop shopping experience where customers can receive rewards when they purchase products from over 1,000 online stores.

You can access the site by logging into your eligible credit card account with your username and password and navigate to the Rewards Center Earn Mall through the Rewards Center. When you click any online store's listing, you'll be directed to the store website, where you can complete your purchase.

Once enrolled, log in at usbank.com. Click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall on your U. S. Bank Credit Card, you will be able to earn more rewards by shopping online.

Источник: https://www.usbank.com/credit-cards.html

Visa Platinum Credit Card

Terms and conditions for all credit card products ›

All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank.

1Introductory and Regular Annual Percentage Rates: For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases made under your account will be 0.00%. For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Balance Transfers made under your account will be 0.00%. We will deem your account to be opened 10 days after we mail your credit card to you. Beginning on the first day of the eighth complete billing cycle after your account is opened for Purchases, your APR will be from 12.99% to 17.99% based on your creditworthiness when you open your account. Beginning on the first day of the eighth complete billing first premier credit card pre approval after your account is opened for Balance Transfers, your APR will be from 12.99% to 17.99%, based on your creditworthiness when you open your account. These APRs will vary with the market based on the Prime Rate Index. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Purchases and Balance Transfers for the Platinum Card is 12.99% to 17.99%, effective as of 6/8/2020. The APR for Cash Advances will vary with the market based on the Prime Rate. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Cash Advances for the Platinum Card is 24.99%, as of  6/8/2020. Any change in the Index will result in a change in the APRs for Purchases, Balance Transfers and Cash Advances. Also, there is no time first premier credit card pre approval within which you may pay to avoid the assessment of interest on Balance Transfers or Cash Advances because interest will accrue on any Balance Transfer from the posting date and on Cash Advances from the date of the transaction until it is paid in full. Additionally, a Balance Transfer Fee of 3% of the amount of each balance transfer and a Cash AdvanceFee of 5% of the amount of each cash advance will apply.

2To earn rewards points, purchases must be eligible credit card transactions. Eligible credit card transactions include any signature-based transaction made using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or cancelled card, gaming-related purchases, cash access transactions (such as, but not limited to, cash advances, the purchase of travelers cheques, money orders or cashier's checks), cash access transactions designated as purchases and account fees or finance charges, if any, are not eligible credit card transactions. In addition, PIN-based transactions made using your credit card account are not eligible credit card transactions. Other restrictions may apply.

For information about rewards points, cash back or other rewards, including any limitations and restrictions visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057.

3A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.

4Visa® Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. You must notify your card issuer promptly of any unauthorized use. Consult your issuer for additional details or visit www.visa.com/security.

5Actual time to receive a transaction alert is dependent on wireless service and coverage within area. Message and data rates may apply. Some PIN-based debit transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. For more information about Purchase Alerts, including any limitations and restrictions, go to www.hancockwhitney.com/purchase-alerts.

Apple is a trademark of Apple, Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. Samsung is a trademark or registered trademark of Samsung Electronics Co., Ltd.

Источник: http://www.hancockwhitney.com/personal-credit-cards

Create memories with the
Disney® Visa® Credit Cards
from Chase

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Make it possible with the Disney Premier Visa Card

Make it possible with the Disney Premier Visa Card

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more


Disney Benefits with Disney Visa Credit Cards from Chase

Disney Benefits with Disney Visa Credit Cards from Chase

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s First premier credit card pre approval Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning


Ready to become a Disney Premier Visa Cardmember?

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in
the first 3 months from account opening with the Disney Premier Visa Credit Card.1

Источник: https://disneyrewards.com/

Credit Cards

Disclosures

Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

Subject to credit approval.

† - If you're approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

1 - Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

2 - Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from MasterCard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Late payments and going over the credit limit may damage your credit history.

Apple, the Apple logo, iPhone and Passbook are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay, Touch ID and Apple Watch are trademarks of Apple Inc.

Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Источник: https://www.peoples.com/personal/credit-cards
1

For all Navy Federal Credit Cards: As of 12/04/2021, rates range from 5.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

2

Credit card value claim based on internal comparative analysis of the average advertised credit card industry APR and the average "as low as" APR for Navy Federal Credit Cards. The 2020 industry average was obtained from creditcards.com. Introductory rates are not included in the calculations.

3

As of 12/04/2021, rates range from 9.65% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

4

Claim based on the Nilson Report published February 2021, which ranks card issuers on balances outstanding as of year-end 2020.

5

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

6

Navy Federal Credit Union received the highest CX Index™ score, the highest performance rating in customer service, clearcommunication, as well as the highest performance rating for providing transparent prices/rates/fees, and the highest customer recommendation score among multichannel banks in Forrester's proprietary 2021 CX Index™ survey. The ranking was based on responses from 13,443 US individuals measuring 18 brands in the industry.

The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.

Источник: https://www.navyfederal.org/loans-cards/credit-cards.html
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Build your credit and earn 1% Cash Back on all eligible purchases1

  • Make purchases like with any credit card
  • Build your credit by making on-time payments
  • Earn 1% Cash Back on all eligible purchases1
  • Your linked savings account works as a security deposit2

Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

Build your credit and earn 1% Cash Back on all eligible purchases1

  • Make purchases like with any credit card
  • Build your credit by making on-time payments
  • Earn 1% Cash Back on all eligible purchases1
  • Your linked savings account works as a security deposit2

Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

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How to get a TD Cash Secured Credit Card

Apply for the card

Apply online for the TD Cash Secured Credit Card

Open a savings account

Once you're conditionally approved, you will get instructions to open and fund a TD Simple Savings account as your security deposit

Fund your savings account

You'll need a minimum of $300 in your savings account to secure your card. You can use funds from another TD Bank, your debit card or an external account

Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.
  • How it works

  • Rates and fees

How the TD Cash Secured Credit Card works

  • Apply online
    If qualified, you'll receive conditional approval
  • Make a security deposit
    Once conditionally approved you'll open a TD Simple Savings account and make a deposit to secure your credit line
  • Set your credit limit
    Your security deposit is your credit limit. That means you can decide the amount that's best for you—from $300–$5,000, subject to credit approval
  • Graduate to an unsecured card
    If you use and maintain the card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit First premier credit card pre approval. Please keep in mind, not all accounts qualify for graduation. A decision to graduate is based on responsible credit management across all of your credit cards and loans, including TD and others.

Rates and fees

What you pay

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$300–$5,000

Annual Percentage Rate (APR) for Purchases

22.99% variable APR

APR for Balance Transfers

22.99% variable APR

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge

$1

APR for Cash Advances

25.24% variable APR

first premier credit card pre approval Cash Advance Fee

$10 or 5% of advance whichever amount is greater

Annual Fee

$29 annual fee*

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment

Up to $40

first premier credit card pre approval Returned Payment

Up to $40

TD Bank Visa® Credit Card Benefits

Your TD Cash Secured Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more.

Find out how to build your credit

Understanding your credit score & report

Get to know your credit score and how you can improve it

Building a good credit score

Find out how to build and improve your credit

Credit scores & reports interactive guide

Get information on your credit score, how it’s calculated and how to protect it

Apply for a TD Cash Secured Card

Online

In person

Book an appointment at your local TD Bank to set up your account

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds first premier credit card pre approval the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account first premier credit card pre approval limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card First premier credit card pre approval balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the Personal Credit Card Agreement for TD Cash Secured.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with first premier credit card pre approval of EMVCo, LLC.

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money wells fargo atm check deposit amount limit, and/or gift cards or reloading of gift cards.

2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

View the Personal Credit Card Agreement for TD Cash Secured.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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Источник: https://www.td.com/us/en/personal-banking/credit-cards/secured-credit-card/
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