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  Cathay Pacific Visa Signature Card

Cathay Pacific Visa Signature Card

in Personal Credit Cards from Synchrony Bank

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Cathay Pacific Visa Signature Card

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Highlights
Purchase APR  (Variable APR) 15.99% - 18.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $95

Cathay Pacific Visa Signature Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 40000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Cathay Pacific Visa Signature Card has a variable purchase APR that ranges from 15.99% up to 18.99%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Cathay Pacific Visa Signature Card
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.
  • Lower than average purchase APRs.
  • 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 their purchases.
  • Cathay Pacific Visa Signature Card reports to multiple credit bureaus.
  • 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.
  • Charges an annual fee of $95
Cathay Pacific Visa Signature Card FAQ

Does Cathay Pacific Visa Signature Card have a cash back or rewards program?

Cathay Pacific Visa Signature Card is a travel rewards card.

Cathay Pacific Visa Signature Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 40000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Cathay Pacific Visa Signature Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 40000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does Cathay Pacific Visa Signature Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Cathay Pacific Visa Signature Card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 18.99%. It also has a variable cash advance APR of 29.99% .

Does Cathay Pacific Visa Signature Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Cathay Pacific Visa Signature Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Cathay Pacific Visa Signature Card?

The following fees apply:

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Cathay Pacific Visa Signature Card?

The Cathay Pacific Visa Signature Card customer service number is (866) 226-5638.

What is the support contact email for Cathay Pacific Visa Signature Card?

The support contact email for Cathay Pacific Visa Signature Card is customer.service@mail.synchronybank.com.

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

Yes, 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 may help improve your credit.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Minimum Interest Charge $2
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • 2x Miles on Airfare
  • 1.5x Miles on Restaurants
  • 1x Mile on Every Purchase
  • 1.5x Miles on International Purchases
Signup Bonus (points) 40,000
Cash Advance APR (Variable APR) 29.99%
Balance Computation daily balance.
Purchase APR (Variable APR) 15.99% - 18.99%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

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