Capital Bank Visa® Signature Travel Credit Card
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| Purchase APR (Variable APR) | 12.99% - 18.99% |
| Balance Transfer APR (Variable APR) | 12.99% - 18.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Capital Bank Visa® Signature Travel Credit Card Review
This 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 review will provide you with with all the details you need 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 odds if your credit score is above 600.
| The Good | The Bad |
|---|---|
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Does Capital Bank Visa® Signature Travel Credit Card have a cash back or rewards program?
Capital Bank Visa® Signature Travel Credit Card is a travel rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Capital Bank Visa® Signature Travel Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Capital Bank Visa® Signature Travel Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Capital Bank Visa® Signature Travel Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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% .
Does Capital Bank Visa® Signature Travel Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Fee Intro Period | 365 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 12.99% - 18.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Capital Bank Visa® Signature Travel Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Capital Bank Visa® Signature Travel Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Capital Bank Visa® Signature Travel Credit Card have a foreign transaction fee?
Capital Bank Visa® Signature Travel Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for Capital Bank Visa® Signature Travel Credit Card?
The support contact email for Capital Bank Visa® Signature Travel Credit Card is contactgroup@chemungcanal.com.
What is the Capital Bank Visa® Signature Travel Credit Card login page?
You can access the Capital Bank Visa® Signature Travel Credit Card login page here.
How do people rate the customer service and user experience of Capital Bank Visa® Signature Travel Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
132 State Streen
Albany, NY 12207 USA - Visit Site
- Email Support
Other Services by Capital Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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