This review is for the KJAZZ Visa Platinum Rewards Card. Issued by UMB Financial Corp., the KJAZZ visa card supports the radio station KKJZ 88.1 FM out of Long Beach, California. KJAZZ is a public radio station that relies on donations to operate and the KJZAA Visa Card helps them do that.
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The radio station was founded in the early 1980s and only broadcasts jazz music. It is currently a 30,000-watt radio station and has a high definition signal available for listeners.
The KJAZZ Visa Platinum Rewards Card Details
There is no annual fee for the KJAZZ Visa Platinum Card. This means that if you pay your balance off each month, there is no cost to have the card.
The KJAZZ Visa Card offers an introductory annual percentage rate of 0% for the first six months that the card is open. Once the first 180 days have passed, the APR will go to 12.99%. This is also the same annual percentage rate for balance transfers.
The APR for cash advances is 16.99%, and varies based on the current prime rate.
There is also a penalty APR if you miss your payment or have a payment returned. If either of these happens, the annual percentage rate increases to 21.75%. The penalty APR will stay in place for at least 6 months.
The KJAZZ Visa Platinum Rewards Card Benefits
There are various benefits available to cardholders. These include a rewards program that provides bonus points that can be redeemed for various items, including cash, airline tickets, and various merchandise.
Additional benefits include emergency customer support 24 hours a day, 7 days a week, complete fraud protection including zero liability for unauthorized purchases that were made if your card was lost or stolen.
In addition, UMB Financial Corp. will make a $50 donation to KJAZZ once the card is opened and used for the first time. Each subsequent purchase with the card will result in an additional donation by UMB to the radio station.
The KJAZZ Visa Platinum Rewards Card Bottom Line
This card has excellent benefits, and if you are a supporter of either jazz music or the KJAZZ radio station, it is a good choice. However, there are other cards available that have similar benefits such as the 0% APR.
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