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The Bank of Smithtown was bought out by People’s United Bank and whether or not the visa card is still offered to new customers is unclear.
Bank of Smithtown Maximum Rewards Platinum Edition Visa Details
The Bank of Smithtown Visa carries an Annual Percentage Rate between 13.99% and 19.99%. The cash advance rate is 25.24% and there is also a cash advance fee of 5% with a minimum of $15.
The card allows you to transfer balances from other cards, and the rate is the same as the regular rate between that can be as low as 13.99%. There is a 5% balance transfer fee for each transfer you make.
The Bank of Smithtown Visa offers an introductory rate of 0% for the first 6 months after your account is opened.
If you are late with your monthly payment, there is an additional $35 charge. In addition, if you miss more than one payment, your annual percentage rate can be increased to as much as 29.99%.
There is a 21-day grace period, which allows you to pay off any charges within 3 weeks to avoid interest charges. Any foreign purchase is subject to a 3% transaction fee.
Bank of Smithtown Maximum Rewards Platinum Edition Visa Benefits
In addition to the 0% introductory rate, the card can help you earn rewards. In fact, for every $1 you spend in purchases, you can earn one and a half bonus points. These points can be redeemed for many different rewards, including travel, merchandise, or gift cards.
Bank of Smithtown Maximum Rewards Platinum Edition Visa Bottom Line
Since it is unknown as to whether or not the Bank of Smithtown Visa still exists, you would be better off looking for a different credit card. Another smart idea is to check out the bank that offers the card with the Better Business Bureau.
There are many different credit cards that offer similar benefits and fees, so it is best to continue to search for the right card for you.
The credit card chaser can make finding the right online credit cards easy!
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