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What is APR of Bank of York Visa Credit Card?

Questions and Answers

CreditExpert

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Question:

I think there is a visa credit card of Bank of York. I would like to go to branch to get this card. However there is not any statement of the bank about APR. There is anyone who has knowledge about rates of the card. What is APR? Do I have to pay extras for foreign transaction fees and is there any annual fee of the card?

Answer:

Hello Germaine,
Welcome to our website. Unfortunately you will not able to learn this through internet since the bank doesn’t provide any online information about APR, other rates and fees of visa credit card. You will need to contact Bank of York for this issue. If you don’t want to go to branch, you can call their customer care services with this phone number: 205-392-5205

However their bankers can still ask you for a meeting. So better if you visit the branch and ask them to rates of the card. Before you sign papers, don’t forget to look at rates, terms, etc. According to Bank of York, their card provides these features…

They don’t ask for annual fee.
Low interest rates.
No fee for balance transfer.

Especially no fee for balance transfer can be an awesome opportunity. We recommend you to go to the branch and get more detailed information about the card. If you can give us feedback about the card, we can also let our visitors about their card. It looks like a good credit card.

Originally posted 2020-11-16 17:23:23.

There is Any Way to Apply Online for SunSouth Bank Credit Card?

Questions and Answers

CreditExpert

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Question:

I would like to get a credit card from SunSouth Bank. Is it possible to make an online application to get credit card from this company?

Answer:

Welcome to Credit Cards Center!
Sometimes local banks in towns don’t offer any credit cards for consumers. I believe that SunSouth Banks is one of those banks. It seems the bank doesn’t provide any online application for consumers. Maybe there is not even a credit card product of the bank at all. It is because banks are generally invites you to branch in credit card pages if they don’t even offer online application. I haven’t seen any document or webpage related with credit card on SunSouth Bank’s official website.

If you are living in Dothan, I recommend you to check Regions Bank credit cards. They provide very good service in Alabama cities. If you are living in Clio, the best option for you to visit Troy.

However you will not need to visit those cities to have a credit card. You can make online application as you already want it.

Originally posted 2020-11-16 17:20:57.

U.S. Bank FlexPerks Business Travel Rewards Visa Card

CreditExpert

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Contents

Do you want to join the amazing world of the U.S. Bank FlexPerks Business Travel Rewards Visa Card? Then all you need to do is apply now to Flexpers Business credit card! There are unbelievable advantages of this card. Wonder more? Here the details coming for you below!

U.S. Bank FlexPerks Business Travel Rewards Visa Card Advantages and Points

You can see the advantages and point details of the U.S. Bank FlexPerks Business Travel Rewards Visa Card below:

* This card is just for travelers. The best traveler credit card ever.
* You will get 25.000 bonus FlexPoints with this credit card.
* Gifts: 2x gas, office stores or airlines tickets
* $= 2x cellular providers and charity awaits you on FlexPerks travel card.
* Redeem your rewards fast.
* Up to 25 dollars per round-trip air award awaits you for your baggage or food spending at airport.
* If you reach 24K spending, you can get your 55 dollar card free back to your company account for within 12 month spending. If you want additional cards, you can pay 10 dollars per year.

U.S. Bank FlexPerks Business Travel Rewards Visa Card Apply

There are amazing advantages of the U.S. Bank FlexPerks Business Travel Rewards Visa Card. By applying it, you can benefit from the all profits of this card. Wonder more about the U.S. Bank FlexPerks Business Travel Rewards Visa Card, then all you need to do is call to US Bank Flexperks customer services for more information about this credit.

There are tens of benefits of the U.S. Bank FlexPerks Business Travel Rewards credit card. If you want to benefit from these advantages, all you need to do is apply now before not late. You can call the customer services for additional informations.

Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
14.24% – 25.24%	Spend $2000 earn 25000 FlexPoints. Earn 2x FlexPoints for every $1 worth gas, office suply, airlines purchases. Earn 2x FlexPoints for $1 worth purchases from cell phone service providers. Spend $24000 in a year and receive annual fee back as a credit.	$0 for first year. $55 for other years.	None	$10 or 5%	26.24%	$5 or 3%	14.24% – 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

14.24% – 25.24%

Spend $2000 earn 25000 FlexPoints.

Earn 2x FlexPoints for every $1 worth gas, office suply, airlines purchases.

Earn 2x FlexPoints for $1 worth purchases from cell phone service providers.

Spend $24000 in a year and receive annual fee back as a credit.

$0 for first year.

$55 for other years.

None

$10 or 5%

26.24%

$5 or 3%

14.24% – 25.24%

FTF: Foreign Transaction Fee

Originally posted 2019-09-06 22:58:47.

Southwest Rapid Rewards Plus Credit Card

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Southwest Rapid Rewards Plus Credit Card

Contents

Review

Southwest Rapid Rewards Plus credit card is based on flights purchases from Southwest Airlines. Differences with Southwest Rapid Rewards® Priority is generally about bonus points that you will get annually and the annual fee of the cards. You are going to get less annual bonuses with plus. You will also pay less with Plus credit card too. Other interest rates, fees and promotions are same with Priority.

You can get 40000 bonus rewards points after you spend $1000 with the card. There is also additional 20000 bonus when you spend $12000 in a year. The balance transfer fee and cash advance fee rates are 5% and this is high. Interest rates of the cards are high as well. With this card you are going to get 30000 rewards points which is worth $30.

Southwest Rapid Rewards Plus Credit Card Worth It?

We believe that you can find much better cards with better interest rates and better promotions. This card can be slightly profitable for those who are purchasing from Southwest Airlines very often. However you can still find other cards with better rewards rates for flights and other purchase categories.

Southwest Rapid Rewards Plus Credit Card Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
17.99% – 24.99%	2x Rewards Points to Southwest Airlines Purchases. 1x Rewards Points to rest of purchases. 40000 Rewards Points Bonus When spend $1000. 20000 Rewards Points Bonus when spend $12000 in a year. Annual 3000 Bonus Rewards	$69	3%	$10 or 5%	26.99%	$5 – 5%	17.99% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

17.99% – 24.99%

2x Rewards Points to Southwest Airlines Purchases.

1x Rewards Points to rest of purchases.

40000 Rewards Points Bonus When spend $1000.

20000 Rewards Points Bonus when spend $12000 in a year.

Annual 3000 Bonus Rewards

$69

3%

$10 or 5%

26.99%

$5 – 5%

17.99% – 24.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	166	200	100
Rewards	150	189	64
Flight	165	189	9
Sign-Up Bonus	168	199	44

You can read some users reviews of Southwest Rapid Rewards® Plus Credit Card below.

Similar Cards

Originally posted 2018-12-28 23:01:17.

Southwest Rapid Rewards Priority

CreditExpert

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Contents

Review

Southwest Rapid Rewards Priority is a travel credit card which you can gain bonus from Southwest Airlines. The card comes with many sign-up bonuses to consumers but rates of the rewards are not very attractive for consumers. You are going to pay $145 annual fee for the card which is high for this card since it doesn’t offer good rewards but only purchases from company.

Consumers will have a chance to earn 60000 bonus rewards with the card. They are going to get 40000 bonus rewards when you spend $1000. If you spend $12000 with the card, you are going to earn 20000 bonus rewards too. Every year you are going to get 7500 rewards points and additionally you are going to get $75 travel credit from Southwest Airlines.

Reward rates of the card is focused on purchases from Southwest Airlines. You are going to get 2x rewards points on purchases from Southwest Airlines. Rest of purchases are going to be 1x. There is not any benefit if you redeem these points for travel.

5% balance transfer fee and cash advance fee are high. Current interest rates of credit card is very high as well.

Southwest Rapid Rewards Priority Worth It?

Since this is a very limited rewards card, we recommend you to check another good opportunity which provides 3x rewards points for flights and some good rewards rates for travels. Because of high fees and interest rates this card is far from being profitable.

You can check user reviews, rates and editor scores of the card below.

Southwest Rapid Rewards Priority Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
17.99% – 24.99%	2x Rewards Points to Southwest Airlines Purchases. 1x Rewards Points to rest of purchases. 40000 Rewards Points Bonus After $1000 purchase. 20000 Rewards Points Bonus After $12000 purchase in a year. Annual $75 Bonus for Travel Annual 7500 Bonus Rewards 20% back inflight drinks and Wi-Fi.	$149	None	$10 or 5%	26.99%	$5 – 5%	17.99% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

17.99% – 24.99%

2x Rewards Points to Southwest Airlines Purchases.

1x Rewards Points to rest of purchases.

40000 Rewards Points Bonus After $1000 purchase.

20000 Rewards Points Bonus After $12000 purchase in a year.

Annual $75 Bonus for Travel

Annual 7500 Bonus Rewards

20% back inflight drinks and Wi-Fi.

$149

None

$10 or 5%

26.99%

$5 – 5%

17.99% – 24.99%

FTF: Foreign Transaction Fee

Southwest Rapid Rewards Priority Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	175	200	100
Rewards	150	189	64
Flight	172	189	9
Sign-Up Bonus	195	199	44
No Foreign Transaction	172	178	40

You can read some users reviews of Southwest Rapid Rewards Priority below.

Similar Cards

Originally posted 2018-12-28 20:57:18.

Chase Sapphire Reserve

CreditExpert

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Contents

Review

Chase Sapphire Reserve is one of the best cards of the Chase. It is designed as a travel credit card. The card has no foreign transaction fee and there are good rewards points rates for travel. However the annual fee of the card is too high when we even compare it with similar cards. Cash Advance APR, Balance Transfer APR and Purchase APR is high as well.

Chase Sapphire Reserve Worth It?

Interest rates and annual fee is making card unprofitable. Of course consumer is not going to be the winner side, but Chase Sapphire Reserve is a little bit expensive when it is compared with other cards in travel category. After the first year, the card can get expensive more.

Why? You are not going to get bonus rewards points next year. Minimum 18% APR (Purchase and Balance) is too high for a consumer with excellent credit score. Maximum 25% APR is also high for consumers as well. When you pay annual fee $450, this is equal to rewards points which you can get with $15000 purchase on travel and dining or $45000 on other categories. Annual $300 travel credits is the upside of this. However you will still lose much money with current interest rates and other fees of the card. 5% payment for each balance transfers and cash advances is a high rate. Our recommended rate is 3%-4% for both fees.

There is no foreign transaction fee for the card and this is a good advantage for you if you travel abroad.

Chase Sapphire Reserve Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
17.99% – 24.99%	3x Rewards Points to travel and dining. 1x Rewards Points to rest of purchases. 50000 Rewards Points Bonus Annual $300 Bonus for Travel 50% more rewards points when you redeem for travel. See more at official website.	$450	None	$10 or 5%	26.99%	$5 – 5%	17.99% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

17.99% – 24.99%

3x Rewards Points to travel and dining.

1x Rewards Points to rest of purchases.

50000 Rewards Points Bonus

Annual $300 Bonus for Travel

50% more rewards points when you redeem for travel. See more at official website.

$450

None

$10 or 5%

26.99%

$5 – 5%

17.99% – 24.99%

FTF: Foreign Transaction Fee

Chase Sapphire Reserve Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	187	200	100
Rewards	209	189	64
Travel	205	196	8
Sign-Up Bonus	225	199	44
No Foreign Transaction	190	178	40

You can read some users reviews of Chase Sapphire Reserve below.

Similar Cards

Originally posted 2018-12-28 20:11:58.

Chase Sapphire Preferred

CreditExpert

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Contents

Review

Chase Sapphire Preferred is a good travel card which provides many goods who wants to have rewards from travel purchases. There is no annual fee and there is no foreign transaction fee of the card. It is important that there is no foreign transaction if you visit abroad very often. There is not any introductory APR period of the card. The annual fee is $95 and it is not that bad for cards in similar levels.

5% cash advance and balance transfer fees are high. Card’s current APR is already high too. Minimum APR of the card is 18% and the maximum is 25%.

Additional features of the card:

25% more rewards when you redeem your points for hotels, auto rentals, cruises, airfare.

You can see all rates of Chase Sapphire Preferred below. There are also user reviews and editor scores for the card.

Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
17.99% – 24.99%	2x Rewards Points to travel, dining, airfare, restaurant, hotel, cafe purchases 1x Rewards Points to rest of purchases. 50000 Rewards Points Bonus 25% more rewards points when you redeem for hotels, auto rentals, cruises, airfare. See more at official website.	$95 $0 for first year.	None	$10 or 5%	26.99%	$5 – 5%	17.99% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

17.99% – 24.99%

2x Rewards Points to travel, dining, airfare, restaurant, hotel, cafe purchases

1x Rewards Points to rest of purchases.

50000 Rewards Points Bonus

25% more rewards points when you redeem for hotels, auto rentals, cruises, airfare. See more at official website.

$95

$0 for first year.

None

$10 or 5%

26.99%

$5 – 5%

17.99% – 24.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	197	200	100
Rewards	186	189	64
Travel	190	196	8
Sign-Up Bonus	220	199	44
No Foreign Transaction	190	178	40

You can read some users reviews of Chase Sapphire Preferred below.

Similar Cards

Originally posted 2018-12-25 19:44:09.

Chase Slate Credit Card

CreditExpert

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Contents

Review

Chase Slate Credit Card is a simple credit card of the company which doesn’t offer any rewards or bonuses. Card’s APR is quite high for a simple credit card. However you are not going to pay any annual fee for it. There is also no APR for Balance Transfers and Purchases. Fees of the card are also high when it is compared with other simple credit cards which are offered by other companies.

Some additional features:

You can check your FICO score free with this card.
You are not going to pay penalty APR at late payments.

If you have a fair credit score, we recommend you to look for another card. You can see Chase Slate Credit Card rates below. There are also user reviews and editor scores.

Chase Slate Credit Card Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% for first 15 months. Regular: 16.99% – 25.74%	None	None	3%	$10 or 5%	26.99%	$5 – 5%	0% for first 15 months. Regular: 16.99% – 25.74%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% for first 15 months.

Regular: 16.99% – 25.74%

None

3%

$10 or 5%

26.99%

$5 – 5%

0% for first 15 months.

Regular: 16.99% – 25.74%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	182	200	100
Zero Interest	189	180	43
Balance Transfer	235	226	50
No Annual	135	166	60

Similar Credit Cards

Originally posted 2018-12-25 18:37:46.

Chase Freedom Unlimited v Chase Freedom

Comparisons

CreditExpert

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Contents

Chase Freedom Unlimited is offering certain amount of unlimited cash back to consumers. Chase freedom is also do that at lower amounts but it also provides $5 cash back for a purchase category which you can pick. This feature is limited with $1500 for each months though. You couldn’t decide to pick one of those cards? Chase Freedom Unlimited v Chase Freedom comparison is going to help you about it.

Chase Freedom Unlimited v Chase Freedom Comparison

We are going to compare both credit cards with maximum and minimum APR after introductory period and 15 months introductory period.

Yearly purchases: $12000 (15 Months: $15000)

Annually balance transfer: $6000 (15 Months: $7500)

Yearly cash advance: $12000 (15 Months: $15000)

Yearly Foreign Transaction: $1200 (This also included to Purchase) (15 Months: $1500)

See our reviews for both cards:

Chase Freedom Credit Card

Chase Freedom Unlimited Credit Card

Comparison in Introductory APR Period

	Freedom Unlimited	Chase Freedom
Interest (Purchases)	$0	$0
Interest (Balance)	$0	$0
Interest (Cash Advance)	$338	$338
Fee (Cash Advance)	$750	$750
Fee (Balance Transfer)	$225	$375
Foreign Transaction	$45	$45
Bonus/Rewards/Cash Backs	$225+$200	$375+$45
Total Loss	$935	$1088

It seems you can get more rewards with Chase Freedom with 5x cash back opportunity. However you will need to pay fees more with Chase Freedom. Despite of lower rewards and bonuses. Chase Freedom Unlimited is the winner with $115 difference.

Winner: Chase Freedom Unlimited

Chase Freedom Unlimited v Chase Freedom (Maximum APR)

The results below is just after introductory period with maximum APR of the cards.

	Freedom Unlimited	Chase Freedom
Interest (Purchases)	$170	$170
Interest (Balance)	$85	$85
Interest (Cash Advance)	$270	$270
Fee (Cash Advance)	$600	$600
Fee (Balance Transfer)	$180	$300
Foreign Transaction	$45	$45
Bonus/Rewards/Cash Backs	$180	$300+$60
Total Loss	$1170	$1110

Now stats has lost the effects of bonus rewards and Chase Freedom won this comparison with $60 difference.

Winner: Chase Freedom

Chase Freedom Unlimited v Chase Freedom (Minimum APR)

This is the comparison of cards with minimum APR below… The result is going to be same with comparison above since both cards have same APR rates. Since we also want you to know about interest rates, we still provided the Minimum APR comparison for Chase Freedom Unlimited v Chase Freedom.

	Freedom Unlimited	Chase Freedom
Interest (Purchases)	$260	$260
Interest (Balance)	$130	$130
Interest (Cash Advance)	$270	$270
Fee (Cash Advance)	$600	$600
Fee (Balance Transfer)	$180	$300
Foreign Transaction	$45	$45
Bonus/Rewards/Cash Backs	$180	$300+$60
Total Loss	$1305	$1245

Winner: Chase Freedom

Result

Both card have the same APR rates but Chase Freedom’s balance transfer fee rates are 2 percent more than Unlimited. Other than that, Chase Freedom can be quite profitable for you if you are not transfer balances.

In the introductory period (first 15 months with no APR), Chase Freedom Unlimited got better with the help of sign up bonus. Then Chase Freedom got better result than Chase Freedom Unlimited. However with bonus rate Freedom Unlimited made an impact on comparison with $115 more profit.

Result: Draw

No one could win the Chase Freedom Unlimited v Chase Freedom match.

If you are planning to use one of those cards, you will be interested with this content: Is Chase Freedom Unlimited Profitable?

Originally posted 2018-12-24 22:55:41.

Chase Freedom Credit Card

CreditExpert

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Contents

Review

Chase Freedom Credit Card is providing limited 5% cash back for those who wants to pick their own purchase category. We have mentioned about its brother Chase Freedom Unlimited on Credit Cards Center before. They are some little differences with the card. You can see our comparison to see which card can be the best option for you.

1% cash back rate is below average, however 5% cash back for a purchase category that you pick is good. There is also no APR for 15 months with the card. (Except Cash Advance APR.) As same as many other cash back cards, Chase Freedom Credit Card is providing high APR for consumers after introductory period. These interest rates can be very high for those who even have excellent credit score.

Some features of the card:

You can check your FICO score free.
You are not going to pay penalty interest rates with this card.
Balance transfer fee is $0 for 60 days.
Cashbacks are not expiring.

You can see all important interest rates and fees of the card below. You can also check editor scores and user reviews for the card.

Chase Freedom Credit Card Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% for first 15 months. Regular: 16.99% – 25.74%	1% Cash Back Unlimited 5% cash back for purchase categories that you select each quarter. Limit: $1500.	None	3%	$10 or 5%	26.99%	$5 – 5%	0% for first 15 months. Regular: 16.99% – 25.74%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% for first 15 months.

Regular: 16.99% – 25.74%

1% Cash Back Unlimited

5% cash back for purchase categories that you select each quarter. Limit: $1500.

None

3%

$10 or 5%

26.99%

$5 – 5%

0% for first 15 months.

Regular: 16.99% – 25.74%

FTF: Foreign Transaction Fee

Chase Freedom Credit Card Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	192	200	100
Zero Interest	223	180	43
Sign-Up Bonus	210	199	44
No Annual	169	166	60
Rewards	186	189	64
Cash Back	160	123	26
Balance Transfer	198	226	50

Similar Credit Cards

Originally posted 2018-12-24 21:01:56.