Avianca Vida Visa Card Review

Avianca Vida Visa Card is a rewards credit card issued by Banco Popular de Puerto Rico. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Avianca Vida Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Avianca Vida Visa Card

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 0%. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Purchase Protection. Travel Accident Insurance. Earn rewards on every purchase. Avianca Vida Visa Card reports to multiple credit bureaus.	Charges an annual fee of $59. Charges a foreign transaction fee of 1%.

Is there a Avianca Vida Visa Card cash back or rewards program?

Avianca Vida Visa Card offers a rewards program to its customers.

Avianca Vida Visa Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	40000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	1000 months

What are the Avianca Vida Visa Card benefits?

Avianca Vida Visa Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Avianca Vida Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Avianca Vida Visa Card has lower than average purchase APRs.

Avianca Vida Visa Card has a variable purchase APR that ranges from 14.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 27.99%. It also has a variable cash advance APR that ranges from 25.99% up to 29.99%.

Avianca Vida Visa Card Balance Transfers

Description
Balance Transfer APR	14.99% - 27.99%
Introductory Rate	0%
Intro APR period (months)	12

Avianca Vida Visa Card Rates & Terms

Description
Balance Computation	average daily balance
Purchase APR	14.99% - 27.99%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	25.99% - 29.99%
Security Deposit	N/A
Introductory Rate	0%
Intro APR period (months)	12

What are the Avianca Vida Visa Card fees?

The following fees apply to Avianca Vida Visa Card:

Avianca Vida Visa Card Fees

Fees	Amount
Annual Fee	$59
Foreign Transaction Fee	1%
Minimum Balance Transfer Fee	$2
Returned Payment Fee	$10
Late Payment Fee	$38

Does Avianca Vida Visa Card report your account activity to credit bureaus?

Avianca Vida 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 can help improve your credit score.

How to apply for Avianca Vida Visa Card

• Visit the Avianca Vida 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.