If you are in the market for low interest credit cards, Five Star Bank Visa Signature may be a good choice for you. This card is issued by Five Star Bank with attractive features for someone who is looking for a card for everyday purchases and travel. There are several versions of the Five Star Bank Visa, but the Signature card has its own distinctions.
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Five Star Bank is a bank in Sacramento, CA with a 10-year history in the area, although general correspondences are through the bank’s Colorado office. The bank’s Signature Visa card is accepted anywhere Visa is accepted, which is worldwide. It is also among the many rewards credit cards with its own perks and bonuses.
Rewards Associated with the Five Star Bank Visa Signature Card
You will receive an initial bonus of $25 in points to start before earning one point every time you spend one dollar. You are also offered $1 cash back earnings as an additional benefit to owning one of these credit cards. There is no limit on the cash back earnings available to you.
Fees Associated with Five Star Bank Visa Signature
There is a 0% introductory interest rate for a period of 6 months before the regular rate is applied. Regular interest rates range from 9.99% to 20.99%. Cash advances are offered at a rate of 23.99% with a 4% fee up to $10.
There is a maximum late fee of $35, meaning regardless of when you pay you will not be charged any more than that amount. Balance transfer credit cards allow you to transfer the amount owed on one card to another, and Five Star Bank’s balance transfer rates are the same as their interest rates with a 3% applicable fee. If you should need to make a foreign transaction using your Visa Signature card, Five Star Bank charges 3%.
Using your Five Star Bank Visa Signature Card for Travel
You can save money using your Five Star Bank Visa Signature when you spend $3,000 annually and consecutively. You earn free travel benefits you can use yourself for two mini vacations or for companion travel. This includes complimentary hotel, airfare, or cruise benefits.
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