Capital Bank Visa® Signature Travel Credit Card

Capital Bank Visa® Signature Travel Credit Card Review

This is a rewards 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.

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.
• Competitive APRs. Capital Bank Visa® Signature Travel Credit Card has a variable purchase APR that ranges from 15.24% up to 21.24%.
• 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.

Pros & Cons of Capital Bank Visa® Signature Travel Credit Card

Capital Bank Visa® Signature Travel Credit Card FAQ

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.

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?

Capital Bank Visa® Signature Travel Credit Card has a variable purchase APR that ranges from 15.24% up to 21.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 21.24%. It also has a variable cash advance APR of 22.74% .

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

The following fees apply:

• There is no overlimit fee

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 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.