Valley National Bank is a name used by several regional banks in the U.S., including the well-known New Jersey subsidiary of Valley National Bancorp. Another regional bank bearing the same name is located in New Mexico and will be discussed in this review. Find other online credit card offers now!
Valley National bank of New Jersey offers three consumer credit cards which can be applied for online, or in person at a local Valley National Bank branch. Consumers have the following three options: the Classic Visa/MasterCard, the non-variable-rate Gold MasterCard, and the variable rate Gold MasterCard.
Customers of New Mexico’s Valley National Bank can choose between Classic Visa, Platinum Visa, and Gold MasterCard credit cards. All three options provide for similar terms and conditions and can be applied for by visiting a local bank location. Terms and conditions are available in limited form on the bank’s website.
Valley National Bank Credit Card – New Jersey
The Classic Visa and MasterCard products offered by the New Jersey Bank carry a16.8% APR for all purchases and balance transfer credit card transactions. Surprisingly, the balance transfer APR is lower at 9.9%. There is no annual fee, and transaction fees are in line with industry norms.
The non-variable rate MasterCard is subject to a 12.9% APR for cash advances and purchases. Again, the balance transfer rate is 9.9% while the penalty rate for late payments is 19.8%. There is an annual $25 fee this card.
The variable-rate MasterCard begins at 12.24% for cash advances and purchases and is tied to the prime rate. 21.8% is the penalty APR and 9.9% is the rate for balance transfers. Both MasterCard Gold cards are eligible for additional benefits that include emergency travel assistance, discounts on car rental insurance, roadside assistance, purchase protection and warranty service, and 24/7 customer service.
Valley National Bank Credit Card – New Mexico
All three credit cards offered by the Valley National bank in New Mexico provide an introductory APR of 5.9% on purchases for the first six months. The standard APR for purchases is calculated according to the Prime Rate + 7.9%. There are no membership or transaction fees and a 25-day grace period on all purchases.
With the Platinum Visa and MasterCard Gold, higher credit limits are established and cardholders enjoy additional benefits including auto rental insurance, emergency travel credit card assistance, and more. The bank also offers a Platinum Flex Miles option which carries a $35 annual fee and allows cardholders earn points toward domestic travel. Compare other online credit cards now!
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