Capital Bank Visa® Signature Travel Credit Card Review

Capital Bank Visa® Signature Travel Credit Card is a rewards credit card issued by Capital Bank. If you're wondering whether Capital Bank Visa® Signature Travel Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 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.
• Competitive APRs. Capital Bank Visa® Signature Travel Credit Card has a variable purchase APR that ranges from 12.99% up to 18.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Capital Bank Visa® Signature Travel Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 365 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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, access to a concierge, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere Capital Bank Visa® Signature Travel Credit Card is accepted. Capital Bank Visa® Signature Travel Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Charges a 3% balance transfer fee, if you transfer the balance within 365 days of opening the account.

Is there a Capital Bank Visa® Signature Travel Credit Card cash back or rewards program?

Capital Bank Visa® Signature Travel Credit Card offers a rewards program to its customers.

Capital Bank Visa® Signature Travel Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Capital Bank Visa® Signature Travel Credit Card benefits?

Capital Bank Visa® Signature Travel Credit Card provides the following benefits:

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

What are the relevant APRs for Capital Bank Visa® Signature Travel Credit 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. Capital Bank Visa® Signature Travel Credit Card has lower than average purchase APRs.

Capital Bank Visa® Signature Travel Credit Card has a variable purchase APR that ranges from 12.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 18.99%. It also has a variable cash advance APR of 21.99% .

What are the fees for Capital Bank Visa® Signature Travel Credit Card?

The following fees apply to Capital Bank Visa® Signature Travel Credit Card:

• There is no overlimit fee

Capital Bank Visa® Signature Travel Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Capital Bank Visa® Signature Travel Credit Card report your account activity to credit bureaus?

Yes, Capital Bank Visa® Signature Travel Credit 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 Capital Bank Visa® Signature Travel Credit Card

• Visit the Capital Bank Visa® Signature Travel Credit 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.