The American Savings Bank Visa Gold credit card is available to all applicants that meet the bank’s credit criteria. This fixed interest rate credit card comes with numerous benefits. You can enroll in additional rewards programs in order to get the most from the American Savings Bank Visa Gold card.
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Consumers are able to submit their applications for the American Savings Bank Visa Gold card online. While existing American Savings Bank customers may be able to go into a branch and apply in person, most people will need to complete their applications over the web. American Savings Bank also gives consumers the option of completing an application over the phone. The American Savings Bank Visa Gold credit card gives cardholders that travel frequently an added level of protection with its Travel and Emergency Assistance Services and travel accident insurance programs.
American Savings Bank Visa Gold Card Fees
All American Savings Bank Visa Gold cardholders are charged a $25 annual fee. If this credit card is used to get a cash advance, a 3% fee of the total amount taken out will be assessed. The interest rate is set at 15.90%, making this one of the few travel credit cards available that has a locked interest rate.
If you lose your American Savings Bank Visa Gold credit card, your first replacement card will be free. After that, you will be charged $15 for each replacement card. Late payments have a $25 fee tacked onto them and purchased made in a foreign country are calculated at 2% interest.
American Savings Bank Gold Card Benefits
The biggest benefit associated with the American Savings Bank Visa Gold credit card is the TravelAwards Plus Rewards Program. Points can be earned at about a 1:1 ratio for all purchases made, with few exceptions. Because this is a low interest credit card, cardholders are able to convert more transactions into points without paying a lot in interest.
Although foreign transactions are not free, the American Savings Bank Visa Gold card comes with travelers’ insurance policies, warranty programs and other services that are designed to keep cardholders safer. Account holders can even get fast access to cash if they are stranded with their American Savings Bank Visa Gold cards.
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