This review is for the American Land, Recreation & Cultural Organization (ALRCO) Visa Platinum Rewards Card. This card is offered by UMB Financial and is designed for individuals who support the ALRCO, and offers a cash back program, a low introductory rate as well various rewards.
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The American Land, Recreation & Cultural Organization Visa Platinum Rewards Card Details
The ALRCO Visa Card offers a special introductory annual percentage rate of 0% for the initial six months that the card is opened. After the six months has passed, the regular APR is raised to a variable rate of 12.99%.
If you initiate a balance transfer with the card, the APR will also be at 12.99%.
The ALRCO offers a 21-day grace period, which allows you to save money on interest charges by paying your entire balance off every month. While there is no annual fee for the ALRCO, if you miss a payment or have a payment returned, you will be subject to an APR increase to a penalty rate between 21.75% and 27.9%.
There are additional fees associated with the ALRCO Visa card including a $35 late fee and a $15 minimum cash advance fee.
The American Land, Recreation & Cultural Organization Visa® Platinum Rewards Card Benefits
Each purchase you make with the ALRCO Visa card allows you to earn bonus points that you can then use to receive various merchandise including airfare, cash back and other items.
UMB Financial, the financial institution that issues the card, will make a $50 donation to the American Land, Recreation & Cultural Organization. In addition, each purchase you make with the card will also result in a smaller contribution from UMB.
The American Land, Recreation & Cultural Organization Visa® Platinum Rewards Card Bottom Line
Like many of the specialty cards offered by UMB Financial, this card is a good choice if you already support or are part of the ALRCO. The 0% introductory interest rate and no annual fee are a rare combination and can save you a lot of money as long as you use your available credit wisely http://www.banking.state.ny.us/brcw.htm.
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