The Animal Friends Visa® Platinum Rewards Card

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The Animal Friends Visa® Platinum Rewards CardThis review is for the Animal Friends Platinum credit card, which is offered through UMB Financial Corp. The card benefits the organization known as Animal Friends, which provides education, rescue and adoption services for various animals. Animal Friends also helps with overpopulation, animal abuse and euthanasia that is not necessary.

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The Animal Friends Visa® Platinum Rewards Card Details

The Animal Friends Visa does charge an annual fee for cardholders, and offers a 0% introductory annual percentage rate for the first six months that the card is open.

The APR after the first six months will increase to the standard 12.99%. This rate is considered a variable rate, and will change when the prime rate changes.

As far as balance transfers are concerned, the rate will be either 12.99% or 16.99%, depending on the type of transfer. If you pay your entire balance off within the 21-day grace period, you will not be charged any interest.

However, interest on cash advances begins on the date of the transaction; therefore, there is no grace period.

The Animal Friends Visa® Platinum Rewards Card Benefits

Like all Visa cards, the Animal Friends Visa provides complete fraud protection and around-the-clock customer service support. In addition, the card entitles you to complete rental car insurance as well as travel accident coverage.

The Animal Friends Organization will receive a $50 gift from UMB Financial for each card that is opened and used for a purchase within the first 180 days. In addition, each additional purchase made using the card will help the organization receive more contributions from UMB.

The card also offers a reward program where points can be redeemed for various merchandise. However, it is important to look into the details of the rewards program, as there are some rewards that can be misleading http://money.cnn.com/2008/06/02/pf/rawdeal_rewards/index.htm.

The Animal Friends Visa® Platinum Rewards Card Bottom Line

Animal rights activists and animal lovers will benefit from this card as it supports an important mission and offers a good introductory APR and $0 annual fee. There are similar cards available for people who rather not have their credit card affiliated with animals.

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