If you’re someone who tends to carry a high balance on your credit card, then you’ll want to choose a credit card that actually rewards you for maintaining the higher balance. This is exactly what the Provident Credit Union Visa Gold credit card does.
Find out for FREE right here what other credit cards are offered to people with high balances!
As a member of the Provident Credit Union, if you have good-to-perfect credit, then you can qualify for the Provident Visa Gold credit card. The starting interest rate for this credit card is $5,000, which means you’ll have to meet certain credit criteria, including debt-to-income criteria, in order to qualify.
Provident Visa Gold Credit Card – Perks to Maintaining a High Balance
Provident Credit Union created this credit card specifically for those of you who tend to carry a balance of $5,000 or more on your credit card.
You’re rewarded for maintaining a higher balance by receiving a lower APR.
This works based on a tiered system. If you maintain a balance of less than $5,000, then your APR will be 14.65%. If you have a balance of more than $5,000 but less than $10,000, then your APR will be 13.65%. Any balance over $10,000 will have an APR of 12.65%.
Now, it’s important to note that those of you with very good to perfect credit can probably get credit cards with a better APR and higher credit limit. If, however, you simply have good credit, then this credit card could be a good option for you.
Provident Visa Gold Credit Card – The Benefits
In addition to being a rewards credit card, which allows you to earn points each time you charge a purchase on your credit card, the Provident Credit Union Visa Gold card offers several other benefits. These benefits include:
- 9.9% fixed APR for balance transfers over $1,000
- Travel accident insurance equaling $400,000
- Rental car insurance
- Fixed APR
- 10.65% introductory APR for six months
Provident Visa Gold Credit Card – The Verdict
Every aspect of this Visa Gold credit card is in complete compliance with the Federal Reserve Credit Card Rules. In addition, for those of you with not-so-perfect credit who want a credit card that offers a high credit limit, this credit card does have something to offer you. However, if you have very good or better credit, you should consider other options.
Compare other Visa credit cards with the FREE credit card chaser tool above!
- Provident Credit Union Visa Platinum Credit Card
- Provident Credit Union Visa College Credit Card
- Provident Credit Union Visa Classic Credit Card
- Eastman Credit Union Visa Gold Credit Card
- Palmetto Citizens Federal Credit Union Visa Gold Credit Card
- SchoolsFirst Federal Credit Union Visa Gold Credit Card
- Lake Michigan Credit Union Visa Gold Credit Card