This review is for the Emigrant Savings Bank Visa Signature Card. One of five different cards offered by Emigrant Savings Bank, the Visa Signature Card offers many benefits and an excellent rewards program.
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Emigrant Savings Bank Visa Signature Card Details
The Emigrant Savings Bank Visa Signature Card offers no annual fee, as well as a 0% introductory annual percentage rate for the first six months after the card is opened.
In addition, the Emigrant Savings Bank Visa Signature Card also gives you the ability to transfer balances for the same 0% APR during the first 180 days of the card being active.
Once the promotional rate expires, the regular annual percentage rate changes to a variable rate that is between 9.99% and 20.99%. The APR for cash advances is set at 23.99%.
If you fail to make a payment on time, or if a payment is returned due to insufficient funds, you may be assessed a fee as well as be subject to the penalty APR.
Customers who apply for the Emigrant Savings Bank Visa Platinum Card and are not approved may automatically be qualified for the Visa Signature. The main difference between the two cards is a longer introductory rate (12 months) and higher potential credit limit for the Platinum Card.
Emigrant Savings Bank Visa Signature Card Benefits
The Emigrant Savings Bank Visa Signature Card features a rewards program that gives 1% back on all eligible purchases. Reward points can be redeemed for many different items, including gift cards, airline tickets and more.
The first time you use your Emigrant Savings Bank Visa Signature Card you are eligible for an additional 2,500 bonus points as well as a statement credit valued at $25.
Airline tickets can be purchased with as few as 25,000 reward points. In addition, all reward point activity can be tracked online.
Emigrant Savings Bank Visa Signature Card Bottom Line
Emigrant Savings Bank offers many different choices, and you should be sure to look over all the details and determine which card is best for you.
With a 0% introductory rate, no annual fee, as well as a manageable regular APR, the Emigrant Savings Bank Visa Signature Card is a good choice for many people looking for an affordable credit card.
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