This review is for the Astoria Federal Savings Visa Signature Card with Maximum Rewards. Issued by the Astoria Federal Savings Bank, this card offers an introductory annual percentage rate, a rewards program and complete fraud protection.
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Astoria Federal Savings Visa Signature Card with Maximum Rewards Details
The Astoria Federal Savings Visa Signature Card with Maximum Rewards offers a 0% introductory annual percentage rate for the first year after the card is opened. Once the 12 months have passed, the regular rate will vary between 13.99 and 19.99% for the remainder of the time you have the card. The variable rate depends on the current prime rate.
There is also a 0% introductory APR for balance transfers for the first 12 months after the transfer is completed. The APR of balance transfers will also revert to the regular rate after the promotional period has expired.
There is also an introductory fee offer for balance transfers set at either 3% of the transfer amount or $10, whichever is greater. After 12 months, the fee changes to 5% or $10, whichever is greater.
The APR for cash advances is a fixed 25.24%, and the penalty APR for missing a payment or being over your credit limit can be as high as 29.99%.
The Astoria Federal Savings Visa Signature Card with Maximum Rewards offers a 21-day grace period to make your payment without accruing any interest charges.
Astoria Federal Savings Visa Signature Card with Maximum Rewards Benefits
The Astoria Federal Savings Visa Signature Card with Maximum Rewards offers one reward point for each $1 spent in eligible purchases with the card. These points can be redeemed for a variety of items, including merchandise, a credit to your account, or airline tickets.
Astoria Federal Savings Bank also offers two additional cards, including the Astoria Federal Savings Platinum Edition® Visa® Card and the Astoria Federal Saving Secured Visa Cards.
Astoria Federal Savings Visa Signature Card with Maximum Rewards Bottom Line
This card is a good choice for someone interested in a new credit card due to the 0% introductory APR for both purchases and balance transfers. If you have a card with a high interest rate, the Astoria Federal Savings Visa Signature Card with Maximum can help save a lot of money if you choose to transfer your balances.
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