American Kennel Club Visa® Card Review

This is a store credit card issued by Comenity. If you're wondering whether American Kennel Club Visa® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3x.
• Competitive APRs. American Kennel Club Visa® Card has a variable purchase APR that ranges from 15.23% up to 25.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. American Kennel Club Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Gas rewards. 2x points on eligible gas purchases.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good

The Bad

3x points per $1 spent at pet stores, veterinary offices, American Kennel Club's mail, phone and booth or www.akc.org purchases. 2x points per $1 spent on gas and grocery purchases. 1x points per $1 spent everywhere else Visa is accepted. Every purchase made on American Kennel Visa card enables American Kennel Club to do more for canines. Lower than average purchase APRs. No annual fee. American Kennel Club Visa® Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Does American Kennel Club Visa® Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for American Kennel Club Visa® Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.23% up to 25.24%. The card has a variable balance transfer APR of up to 27.24%.

The card has a variable cash advance APR of up to 27.24%.

What are the fees for American Kennel Club Visa® Card?

The following fees apply:

American Kennel Club Visa® Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$38
Late Payment Fee	$38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does American Kennel Club Visa® Card report your account activity to credit bureaus?

Yes, American Kennel Club Visa® Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Kennel Club Visa® Card

• Visit the American Kennel Club Visa® Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.