Cathay Pacific Visa Signature Card Review

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

Key takeaways:

• Signup bonus. Offers a signup bonus of 40000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 20.49%.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Cathay Pacific Visa Signature Card Pros and Cons:

The Good

The Bad

Marco Polo Green Club membership, free for the first year. Membership offers perks like priority boarding, extra baggage redemption, lounge access redemption and extra leg room seat redemption. No foreign transaction fees. Mileage sign up bonus for new customers. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Free access to your credit score. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Cathay Pacific Visa Signature Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Annual fee applies immediately, unlike many airline credit cards that waive their annual fee for the first year. Current or past card holders are not eligible for the sign up bonus. Lower points per dollar than similar travel cards. Higher than average purchase APRs. Requires good to excellent credit. Charges an annual fee of $95

Is there a Cathay Pacific Visa Signature Card cash back or rewards program?

Cathay Pacific Visa Signature Card offers a rewards program to its customers.

Cathay Pacific Visa Signature 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	$2000
Signup Bonus Spend Period (months)	3 months

What are the Cathay Pacific Visa Signature Card benefits?

Cathay Pacific Visa Signature Card provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Cathay Pacific Visa Signature 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. Cathay Pacific Visa Signature Card has higher than average purchase APRs.

Cathay Pacific Visa Signature Card has a variable purchase APR that ranges from 17.49% up to 20.49%. It also has a variable cash advance APR of 29.99% .

What are the Cathay Pacific Visa Signature Card fees?

The following fees apply to Cathay Pacific Visa Signature Card:

Cathay Pacific Visa Signature Card Fees

Fees	Amount
Annual Fee	$95
Foreign Transaction Fee	0%
Late Payment Fee	up to $38

Does Cathay Pacific Visa Signature Card report your account activity to credit bureaus?

Cathay Pacific Visa Signature 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 Cathay Pacific Visa Signature Card

• Visit the Cathay Pacific Visa Signature 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.