Tag Archives: Intro APR

UMB Simply Rewards Credit Card

March 19, 2020RewardsGroceries, Intro APR, No annual fee, Sign-up offers, UMBLeonard Kreicas

UMB Simply Rewards credit card

With a UMB Simply Rewards credit card you get 3% cash back at grocery stores.

The 3% rebate also applies at

Gas stations
Discount stores
Restaurants
Fast food locations

All other qualifying purchases earn you a 1% rebate wherever Visa is accepted.

Make $1,500 in eligible purchases within 90 days of account opening and receive 15,000 bonus points (worth $150).

Plus new account holders pay no interest (0% APR) on purchases for their first 12 billing cycles (minimum payments apply).

Great credit card for everyday purchases helping customers manage their bills.

Straightforward Terms

No annual fee
25 day grace period, i.e. try before you buy
No minimum interest charge
No penalty APR
No over-the-credit-limit fee
No returned payment fee
However a late fee applies if your payment is not made by your due date

Easy Online Access

Pay recurring bills with our automatic bill payment option
Free alerts to monitor suspicious account activity
Go paperless—view statements online
Access up to 24 months of online statements
Detailed yearly report of your card expenditures (online or print)

Complete Protection

Visa’s Zero Liability provides 100% fraud protection against unauthorized use.
Extended warranty and purchase protection
Quick delivery of replacement card or emergency cash if your card is lost or stolen.
Complimentary rental car insurance
24-hour roadside and emergency transportation assistance
Medical and legal referral assistance
Travel accident insurance
Pre-trip and lost luggage assistance
Emergency airline ticket replacement
Valuable document delivery assistance
Emergency translation services

Additional Benefits

Accepted at more than 32 million locations worldwide
Can be used at more than 800,000 ATMs worldwide

Some of these benefits are provided by Visa. Certain limitations, exceptions and restrictions may apply to these Visa benefits. Details are available online or at a local branch.

Apply in person at your local branch or ONLINE.

American Express EveryDay® Credit Card

March 15, 2020RewardsAmerican Express, Intro APR, No annual fee, Sign-up offersLeonard Kreicas

Great features for today’s times.

2% rewards on groceries (up to $6,000 in purchases)
Introductory 0% APR for 15 months
No balance transfer fee
20% extra points if used 20 or times in billing period
No annual fee
Introductory $100 bonus after spending $1,000 within 3 months

Fees

Annual Fee: $0.00
Fee on balance transfer: $0
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payment: up to $39
Returned payment: up to $39

Earn Rewards

1 Membership Reward point per dollar on eligible purchases
2 Membership Reward points per dollar on eligible US grocery store purchases
2 Membership Reward points on amextravel.com if enrolled in the program
Minimum to redeem: 2,000 points

Redeem Membership Rewards

Cash back on eligible purchases
Merchandise such as electronics, fashion, home goods
Online shopping at amazon.com, bestbuy.com, walmart.com, grubhub.com, and more
Gift cards
Travel, including airfare, hotels, luggage
Entertainment
Donate to selected charities

Purchase Services

Theft and accidental damage protection, including cell phones
Return protection within 90 days of purchase
Free extended warranties (up to 2 years)

Travel Benefits

Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Travel accident insurance on common carriers

Security Features

Fraud Protection
Advanced secure chip technology
Text alerts

Amex Card Benefits

Exclusive savings with Amex Offers
Amex mobile app
ShopRunner program members receive free 2nd-day shipping from participating merchants.
Entertainment Access for cardholder-only events and places
Monthly and annual summaries
Free authorized users cards

For all the fine print and application visit the American Express Everyday® site.

BMW Credit Card

February 28, 2020RewardsElan Financial, Intro APR, Sign-up offersLeonard Kreicas

BMW Mastercard from Elan

As of February 20, 2020 BMW started offering BMW Card and BMW Precision Card in place of BMW Visa Cards.

Per the General Information Page about the BMW Visa Card “Your old credit card will be de-activated and no longer work after February 20, 2020.”

Both of the new BMW Mastercards offer generous rewards for customers who make frequent purchases at BMW dealerships, gas stations and while dining out.

BMW CARD

4X points
per $1 spent on eligible BMW purchases
3X points
per $1 spent on eligible gas station purchases
2X points
per $1 spent on eligible restaurant purchases
1X point
on all other eligible purchases
Points worth 25% more
when used at BMW centers

BMW PRECISION CARD

5X points
per $1 spent on eligible BMW purchases
3X points
per $1 spent on eligible gas station purchases
2X points
per $1 spent on eligible restaurant purchases
1.5X points
on all other eligible purchases
Points worth 25% more
when used at BMW centers
$70 credit
annually at BMW Centers

The BMW Card does not have an annual fee, while the BMW Precision Card has a modest $99 annual fee.

Both cards offer an enrollment bonus:

BMW Card – 5,000 points after spending $500 in eligible net purchases within the first 90 days of account opening
BMW Precision Card – 7,500 points after spending $1,000 in eligible net purchases within the first 90 days of account opening

The BMW Card offers 0% financing for the first 12 months, while the BMW Precision Card doesn’t have the same interest-free deal.

The BMW Card charges a 3% foreign currency fee, while the BMW Precision Card has no foreign currency fees.

The BMW Card is World Mastercard and the BMW Precision Card is a World Elite Mastercard issued by Elan Financial Services.

For details and application visit the BMW Mastercard site.

VentureOne Visa Card

December 27, 2019BankIntro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Open a new account and get 10,000 bonus miles for free!

Vacation with Venture Credit Card — CapitalOne Venture Card

The VentureOne Card from CapitalOne offers:

1.25 miles per dollar on every purchase
One-time bonus of 10,000 miles once you spend $1,000 in the first 3 months
Get up to 15 more points per dollar when you shop on the Perk Central retail network
Points do not expire
No limit to the points you can earn
Redeem points for gift cards and more

Besides the Capital One Venture One Visa credit card does not charge you any annual fee or interest charge for the first year of membership!

You can shop until you drop for a year without paying any finance charges until 2013, if you pay the monthly minimum payment of 1% of the balance.

With extended warranty and fraud protection it pays to use the Venture Card, as long you spend less than you make: shop responsibly.

CREDIT CARDS

Choose the right credit card for you

Tag Archives: Intro APR