Ameriprise Financial, known as a financial planning corporation, also offers several credit card options to its clients. The Ameriprise Bank FSB World MasterCard is a rewards credit card with many complimentary features.
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Ameriprise World MasterCard Rewards
The Ameriprise World MasterCard uses a point system, which rewards you not only for the money you spend, but also for using other Ameriprise services.
The first time you use the Ameriprise World MasterCard on a purchase, you receive 1,000 points. You’ll be awarded 24,000 points if you spend at least $500 within the first 90 days of opening your account and only if belong to the Ameriprise Achiever Circle. For all purchases, you are credited with one point for every dollar you spend on the card.
What makes this card so valuable to Ameriprise clients is the additional points the card accrues from other Ameriprise services. You’ll receive points for taking out a mortgage, 1350 points per $10,000 borrowed. Achiever Circle clients receive 25,000 points for every $50,000 invested in a non-retirement account. Every month, the Ameriprise World MasterCard adds one point for every $100 balance in an Ameriprise CD or savings account.
The points can be redeemed for airline tickets or other rewards. You’ll receive 1.25% more if you directly invest the rewards into an Ameriprise account. You can also redeem them for gift certificates for Ameriprise financial services. If you do this, you get up to 1.5% more points.
Be sure to keep up with your rewards so you know when they expire. The Wall Street Journal reports that up to one-third of reward points are unclaimed every year.
Ameriprise World MasterCard Benefits
On top of the rewards, the Ameriprise World MasterCard also has no annual fee and a low introductory interest of 1.99% on balance transfers. The standard purchase rate is a variable 9.24%.
Using this credit card also allows access to the included Travel Assist program, which provides travel insurance and rental car insurance as well as roadside assistance. There is even a complementary concierge service available around the clock.
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