Category Archives: Low Interest

American Legion MasterCard

American Legion MasterCard
Support the American Legion

The American Legion MasterCard issued by USAA bank offers an introductory 0% APR on purchases for the first 12 billing cycles after a new credit card account is opened.

Members who enroll in the MasterCard rewards program get 2,500 bonus points after their first purchase and one point for every dollar in purchases, which can be redeemed online at usaa.com.

Members who enroll in the MasterCard cash rewards option receive a generous 1.25% cash back rebate on almost all their purchases.

The points have no limit on the amount they earn and no expiration date.

Cardholders support what The American Legion represents, because with each eligible purchase, USAA Bank makes a contribution to American Legion programs that focus on veterans’ rights issues and their quality of life.

The American Legion MasterCard features

  • No annual fee
  • APR as low as 9.90% for people with excellent credit
  • No APR penalty
  • No minimum interest charge
  • No over credit limit fee
  • Low 1% foreign transaction fee
  • Zero liability for unauthorized charges
  • Purchase protections for items lost, stolen or damaged within 90 days of purchase

TERMS

  • Grace Period: 25 days
  • Annual Fee: $0
  • Balance Transfer Fee: 3% (max. $200)
  • Cash Advance Fee: 3% (max. $200)
  • APR purchase introductory offer: 0% for 12 months
  • APR balance transfer introductory offer: 0% for 12 months (3% fee applies)
  • APR after introductory period: 9.90% to 25.99%
  • APR Balance Transfer after 1st year: 9.90% to 25.99%
  • APR Cash Advances: 9.90% to 25.90%
  • Fraud Protection: yes
  • Warranty Extension: yes

To be eligible for the American Legion MasterCard a person has to be currently on active duty, serving the United States honorably, anywhere in the world, or have served honorably during any of the eligible war eras.

Besides the rewards MasterCard, USAA bank offers other choices of an American Express credit card, Visa credit card, Military Affiliate Card, Secured Cards and Rate Advantage Card (6.90% APR but no rewards).

Redeeming the rewards for cash only gives members $1 for every 100 points after 20,000 points. The table below illustrates payouts for under 20,000 points.

Number of Points Redeemed Gift Certificate / Card Reward Value

3,000

$25

6,000

$50

12,000

$100

15,000

$125

20,000

$200

For travel though, the points can be redeemed at full point value of $1 for every 100 points.

When you apply for the apply for American Legion MasterCard (rewards version) or the American Legion MasterCard (cash rewards version) you will receive one of the three following  cards:

USAA bank has earned an outstanding reputation for customer service with glowing reviews and awards from sources such as Forrester Research, the Tablet Banking Report, BAI’s Mobile Link Award, the Temkin Customer Service Ratings.

In addition USAA bank’s Member Community features an intimate and lively forum where members can have their voices heard and questions answered in a friendly manner.

Iberia Bank offers low 7.25% APR

Low 7.25% APR on purchases with the Iberia Bank Classic Visa Card

iberia bank credit card

The Iberia Bank Classic Visa Card offers no rewards or cash back features, but the cardholder pays a very affordable 7.25% APR for applicants with an excellent credit history, while those having lower credit scores would pay still reasonable rates of 10.25% or 13.25% APR.

The Iberia Bank Classic Visa does not charge cardholders any annual fee.

The card best serves people who decide to finance their purchases over time at rates usually lower than personal loans usually offer.

In addition there are no application fees and the cardholder holder names his or her own time frame for repayment of the loan.

Other features of this basic credit card include

 Apply here for the classic Iberia Bank credit card for further details.

In additional Iberia offers an introductory 1.99% balance transfer APR for 6 months on opening an account (a 2% balance transfer fee applies).

The grace period of 25 days is generous, which means you are entitled to try before you pay depending on the retailer’s policy of restocking fees and/or return policies.

Iberia Bank also offers several other credit card choices

Chase Sapphire Card

The Chase Sapphire card rewards and pampers its members.

Chase Sapphire CardWith 24/7 direct access to expert service advisors and unparalleled concierge amenities, Chase Sapphire card members receive world-class service and attention with no annual fee.

As an opening reward, new members earn 25,000 bonus points, which is equivalent to $250 in rewards after they spend $3,000 in first 3 months.

Cardholders receive 2% rewards on dining and 1% rewards on all other qualified purchases using the Chase Sapphire card.

They can redeem their points through the exclusive Ultimate Rewards channel which features the following selections:

Gift cards to your favorite retailers, restaurants and travel partners

With as few as 2,500 points, you can redeem for gift cards to all your favorite retailers, including The Home Depot, Macy’s, Banana Republic and Pottery Barn. Plus, choose from a great selection of restaurants, including Morton’s The Steakhouse, Starbucks Coffee and more.

Huge selection of merchandise

Browse a huge selection of merchandise at Ultimate Rewards, including music, movies, games, electronics, kitchenware and more.

Bonus points at the Ultimate Rewards Mall

Earn up to 10 bonus points for every dollar spent shopping online at the Ultimate Rewards Mall using the Chase Sapphire card. Enjoy direct access to over 370 online retailers.

If they wish, members can redeem their points as cash with a very low minimum of $20.

Apply here for the Chase Sapphire program.

As a cautionary note, when Chase issues you a credit card, Chase and its affiliates may share information about you among its affiliates in order to offer products and services of interest to you.

If you would prefer that Chase does not share information from your application, credit bureaus or third parties, please call Chase at 1-888-868-8618.

Chase Slate Visa Card

Chase Slate is one of the very few credit cards with no balance transfer fee.

Chase Slate Blueprint CardFor a limited time only you pay no fee when you transfer a balance during the first 30 days your account is open!

Best of all you pay NO interest on that balance for the first 15 months, as long as the monthly minimum is paid for each billing cycle.

This offer is much more generous than most 6 month 0% APR introductory deals.

The card does not have rewards, but includes Visa features such as patented fraud protection, a zero liability policy, email and text alerts, as well as Chase’s unique Blueprint service.

With no annual fee, the Chase Slate Visa Card works best for individuals who prefer to manage their finances in a systematic and prudent manner.

Apply here for the Chase Slate Visa credit card.

As a cautionary note, when Chase issues you a credit card, Chase and its affiliates may share information about you among its affiliates in order to offer products and services of interest to you.

If you would prefer that Chase does not share information from your application, credit bureaus or third parties, please call Chase at 1-888-868-8618.