Atlantic Stewardship Bank Visa

Signature Visa Card from Atlantic Stewardship BankAtlantic Stewardship Bank has merged with New Jersey’s Columbia Bank.

The Atlantic Stewardship Bank Visa Signature Card is no longer available.

Information below is for archival purposes only.


So instead of worrying about coming up with all the cash right away, spread your holiday purchases payments over the next six billing cycles for free.

Also by putting all your gift items on one card it makes keeping count of “who got what” very easy for you.

In addition to the instant $25 statement credit, you will get 1% back to spend on yourself for every dollar you spent on your friends and family.

As part of Visa Signature package, just in case the gift is be defective, the warranty protection for the product is twice as long.


The Atlantic Stewardship Bank approach to banking is unique: ten percent of its profits are shared with non-profit Christian organizations.

The original founders of the Bank were so deeply committed to this concept, that the Tithing Program was built into the corporate-by-laws.

The non-profit organizations receiving a portion of the banks earnings include missions, schools, and healthcare facilities.

The bank also offers strong support to civic groups located where the bank maintains its branches.

AT&T Access Credit Card

AT&T Access Card from CitiThe new AT&T Access credit card from Citi replaces the discontinued AT&T Universal Savings and Rewards Credit Card with ThankYou points.

AT&T offers a sign up bonus and extra rewards on some retail and travel websites paid out as ThankYou Points. However the new card is neither a Visa Card or Mastercard, but part of Citi Retail Services program. Here are some pros and cons of the card.

PROS

  • Introductory bonus of 10,000 ThankYou points for opening account
  • Two reward points with eligible online retail and travel websites
  • Two reward points when buying tablets or phones directly from AT&T
  • Presale and VIP events
  • No annual fee

CONS

  • Not part of the Visa or Mastercard network
  • Points lose half their value when redeemed for cash
  • Limited selection of redemption options.

RATES & FEES

  • 13.99% to 22.99% APR (Annual Percentage Rate) on purchases and balance transfers
  • 25.24% APR for cash advances, i.e. when you use the card to get cash at an ATM, plus a 5 % fee ($10 min)
  • 29.99% APR if make late payment or if payment is returned
  • No recurring annual fee
  • Up front 3% balance transfer fee
  • 3% foreign transaction fee to purchase items billed outside the United States

VERDICT

The AT&T Access Card does best as a secondary card. For most people other cards may have lower interest rates and better rewards. Not having the features and benefits of a Mastercard or Visa Card family can limit its usefulness in some cases.

Several other credit cards have better introductory offers with no annual fees. Discover It card features generous 5% cash back in useful rotating categories on a quarterly basis. The 3-2-1 cash back rewards of the American Express Blue Cash Everyday card works great for most shoppers.

CITI RETAIL SERVICES

Though Citi Retail Services isn’t a household name, the stores it partners with may be. Here are some of the places who market their credit cards using Citi’s expertise in the credit card industry.

Animal Friends Visa Credit Card

Animal Friends Credit Card

Animal Friends Visa® Credit Card from UMB Bank is closed to new applications.


Animal lovers donate a percentage of every purchase made with their Animal Friends credit card to help save the lives of pets in need.

Participation supports humane rescue, adoption and pet-focused outreach, while helping Animal Friends end pet overpopulation, abuse, and unwarranted euthanasia.

As a start each new card instantly earns $50 for Animal Friends.

Other features and benefits include:

  • 0% Introductory APR on purchases and balance transfers for 12 months.
  • Different card designs to choose from.
  • $50 donation by the bank when you first use the card plus ongoing contributions.
  • No annual fee and no additional cost to you.
  • Visa card benefits, including 24/7 Emergency Customer Service and 100% Fraud Protection, Purchase security, Warranty Manager and much more.

Animal Friends has been saving, impacting, engaging, enriching and affecting the lives of the pets and people of our region. Since our humble beginnings in 1943, we have grown into a full-service companion animal welfare organization serving the pets and people of Pittsburgh and the surrounding area.

Some of the resources provided by Animal Friends are

  • Behavior help
  • Pet Food Bank
  • Play yard rentals
  • Feral and community cat assistance
  • Games and enrichment
  • Training classes
  • Dog washes