Avianca Vida Visa Card Review

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

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Signup bonus. Offers a signup bonus of 40000 points after spending $1,000 within 1000 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Avianca Vida Visa Card has a variable purchase APR that ranges from 14.99% up to 27.99%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, purchase protection, travel accident insurance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Avianca Vida Visa Card Pros and Cons:

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 12 months. Multiple credit card perks. Offers auto rental collision damage waiver. Travel accident insurance. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Avianca Vida Visa Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Requires good to excellent credit. 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%.

What are the fees for Avianca Vida Visa Card?

The following fees apply to Avianca Vida Visa Card:

Avianca Vida Visa Card Fees

Fees	Amount
Annual Fee	$59
Foreign Transaction Fee	1%
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.