This review is for the American Paint Horse Association Credit Card. Designed for equestrians and horse lovers alike, the American Paint Horse Association (APHA) Credit Card is offered through Chase Bank.
The American Paint Horse Association is a group of people whose main focus is to preserve the pedigree and history of the American Paint Horses. The American Pain Horse Association supports their cause via membership fees as well as donations. In addition, they receive donations from chase when their members use their American Paint Horse Association Visa credit card.
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Chase Bank is a premier bank when it comes to their credit cards. They offer a variety of cards from affinity credit cards to student credit cards and everything in between. Chase customers who participated in the 2011 Credit Card Satisfaction Study from JDPower.com rated Chase as one of the better rewards companies for credit cards.
American Paint Horse Association Credit Card Benefits
The American Paint Horse Association Credit Card is part of the Flexible Rewards program offered by Chase. This allows cardholders to earn one point for each dollar they spend on certain purchases with their APHA credit card.
Points can be redeemed for a variety of rewards, including gift cards, cash, travel, and merchandise. There are no points earned with balance transfers and cash advances. The maximum amount of points that can be accumulated in one calendar year is 60,000.
Additional benefits of the APHA credit card include 24-hour emergency lost or stolen card replacement, insurance for travel and car rentals, fraud protection and more.
American Paint Horse Association Credit Card Details
The annual percentage rate for purchases made with the American Paint Horse Association Credit Card ranges from 13.24% to 19.24%. The rate is based on the cardholders’ credit history and score, and can fluctuate depending on the prime rate.
The APR for cash advances is 19.24%. However, if the cardholders’ regular APR is 19.24%, then the cash advances rate increased to 23.24%. The penalty APR for missed or late payments, going over the credit limit, or having a payment returned is 29.99%. The American Paint Horse Association Credit Card does not charge an annual fee.
American Paint Horse Association Credit Card Bottom Line
While the American Paint Horse Association credit card may be attractive to the equestrian community, other individuals may be inclined to search for another card.
This card can be beneficial to individuals who pay their balance off every month, as there is no annual fee. However, there are other cards with a lower APR as well an introductory APR, so people who carry a balance may choose to apply for another type of card.
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