This is a special rewards credit card that lets the cardholder save their rewards points for vacation rewards. This type of card is a great way for someone to save for their next vacation and ultimately earn free flights and hotel stays by just making regular charges with their Shell Vacations Club Visa.
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Once you are approved for a new credit card, you might want to look into the best ways to use your new card. Websites like Suze Orman’s are a great place to start. This site can help you if this is your first credit card and you want to start building credit the right way or if you have already damaged your credit score and want to start repairing it.
First Hawaiian Bank Shell Vacations Club Visa Terms
This credit card has a fixed annual percentage rate of 18%. It is very hard to find fixed rate credit cards in today’s market. This rate applies to purchases and cash advances. There is no interest rate listed for balance transfers.
The interest for cash advances will most likely apply if the cardholder writes a credit card check. A credit card check works much like a normal check, except the money is taken from the credit card account balance instead of a checking account. Since credit card checks usually include interest charges and fees, most people save these checks for large purchases.
Fees to Expect with the First Hawaiian Bank Shell Vacations Club Visa
This credit card has an annual fee of $39. There is no transaction fee for balance transfers. The transaction fee for writing a credit card check is 3% with a minimum fee of $5. There are two types of cash advances. These two advances are ATM cash advances and over-the-counter cash advances. An ATM advance is 3% with a minimum charge of $3. The fee for an over-the-counter advance is also 3%, but the minimum charge is higher at $5.
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