The American State Bank of Texas offers two different Visa credit cards. Multiple bill payment methods, enrollment in the ASB Rewards program and travelers insurance are just some of the benefits associated with these cards. Online applications are not available; however, consumers can find out if they qualify in person at a branch or over the phone.
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The American State Bank Visa Gold credit card is best for consumers that have flawless credit reports. Higher credit limits and lower interest rates are available with this personal credit card. Although an exact interest rate for the American State Bank Visa Gold card is not available online, this card does not have an annual fee. The American State Bank Visa card has less strenuous credit requirements.
American State Bank Visa Limitations
Even though both American State Bank Visa credit card lines come with several perks, there are also quite a few limitations. The American State Bank Visa Gold card has a credit limit line maximum of $50,000, while the American State Bank Visa Classic credit card maxes out at $20,000.
Because American State Bank is based in Texas, applicants that live in other states will only be able to access customer service via the phone. The ASB Rewards program has a limited number of perks and rewards that can be redeemed.
American State Bank Visa Benefits
Besides being able to use the American State Bank Visa credit card at virtually every merchant, cardholders are also able to view their billing statements on the web. ASB Rewards points are accumulated at a 1:1 ratio, but no information on expiration is available. These can be categorized as balance transfer credit cards because they have low interest rates.
Since the American State Bank Visa credit card is offered by a small, community based bank, applicants have a better chance of being approved when compared to larger financial institutions. Consumers that have other accounts with American State Bank should speak to a personal banker about credit requirements before applying.
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