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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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in Personal Credit Cards from Synchrony Bank

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Highlights
Purchase APR  (Variable APR) 17.49% - 20.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $95

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 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 & 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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Cathay Pacific Visa Signature Card is accepted.
  • 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.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
Cathay Pacific Visa Signature Card FAQ

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
Minimum rewards rate (all purchases) 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 40000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does Cathay Pacific Visa Signature Card have a signup bonus?

Cathay Pacific Visa Signature Card doesn't offer a cash signup bonus. However, it does include a 40000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

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

Cathay Pacific Visa Signature Card doesn't offer a cash loyalty bonus.

What are the Cathay Pacific Visa Signature Card benefits?

Cathay Pacific Visa Signature Card provides the following benefits:

  • 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% .

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

No, Cathay Pacific Visa Signature Card does not come with an introductory APR offer for balance transfers.

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

Cathay Pacific Visa Signature Card does not offer an introductory rate on new purchases.
Cathay Pacific Visa Signature Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Cathay Pacific Visa Signature Card?

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 have a foreign transaction fee?

Cathay Pacific Visa Signature Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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 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.

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.

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

Every Purchase (Points) Earn 2 Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases. Earn 1.5 Asia Miles per $1 spent on dining in the US or abroad. Earn 1.5 Asia Miles per $1 spent on purchases outside of the US.
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)
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • 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
Bonus Rewards Earn 40,000 miles when you spend $2,000 in the first 90 days of opening an account.
Rewards Categories
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 40,000
Rewards Type Miles
Cash Advance APR (Variable APR) 29.99%
Balance Computation daily balance.
Purchase APR (Variable APR) 17.49% - 20.49%
Card Type
  • Rewards
  • Travel
  • Airline
  • Bonus Offers
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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