Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
19.24% - 22.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$95
Cathay Pacific Visa Signature® Card Review
This is a travel card issued by Synchrony Bank. If you're wondering whether Cathay Pacific Visa Signature® Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 40000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.24% up to 22.24%.
- 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Cathay Pacific Visa Signature® Card
| The Good | The Bad |
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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.
| Description |
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 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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Cathay Pacific Visa Signature® Card has a variable purchase APR that ranges from 19.24% up to 22.24%. Cathay Pacific Visa Signature® Card does not offer balance transfers. 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. Cathay Pacific Visa Signature® Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
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 customer service number for Cathay Pacific Visa Signature® Card 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.
How do people rate the customer service and user experience of Cathay Pacific Visa Signature® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cathay Pacific Visa Signature® Card report your account activity to credit bureaus?
Yes, Cathay Pacific Visa Signature® Card reports to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Cathay Pacific Visa Signature® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Cathay Pacific Visa Signature® Card
- Visit the website of Cathay Pacific Visa Signature® Card.
- 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.
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Hours of Operation
Sunday8:00AM - 12:00AMMonday8:00AM - 12:00AMTuesday8:00AM - 12:00AMWednesday8:00AM - 12:00AMThursday8:00AM - 12:00AMFriday8:00AM - 12:00AMSaturday8:00AM - 12:00AM
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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