US Bank SKYPASS Visa Classic® Card
in Personal Credit Cards
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Overview
Who is the US Bank SKYPASS Visa Classic® Card Designed For?
The US Bank SKYPASS Visa Classic® Card is designed for people with good to excellent credit who travel regularly with Korean Airlines and are interested in qualifying for Korean Air's Morning Calm Club Membership.
What are the Rates for US Bank SKYPASS Visa Classic® Card?
The rates on purchases and balance transfers range from 14.49% APR to 21.49% APR depending on customers' creditworthiness. It doesn't have an intro rate on purchases or balances and cash advances pay a 25.49% APR. There is no penalty rate to worry about for cardholders who are late on payments.
What Are the Fees for US Bank SKYPASS Visa Classic® Card?
The US Bank SKYPASS Visa Classic® Card has a $50 annual membership fee, a 3% ($5 minimum) balance transfer and a 4% cash advance fee (also with a $5 minimum). Foreign transactions have a 2% fee when the transaction is in dollars and 3% when the transaction is in a foreign currency. Late and returned payments incur a $38 and $35 fee respectively.
What Is US Bank SKYPASS Visa Classic® Card's Rewards Program Like?
The rewards program of the SKYPASS Visa Classic is certainly simple to use, but nobody is going to accuse it of being generous. Cardholders receive just one mile for every $1 they spend on purchases. Even purchasing flights with Korean Air won't give you higher reward rates. On the bright side, there is no limit to the miles you can earn and you can redeem miles for reward travel or upgrades on Korean Air or any of the 19 airlines that are affiliated with SkyTeam.
What about US Bank SKYPASS Visa Classic® Card‘s Signup Bonus?
US Bank SKYPASS Visa Classic® Card offers new members 5,000 bonus miles after their first purchase, which just about covers the first annual fee. Members receive 1,000 bonus miles points on their membership anniversary.
Does the US Bank SKYPASS Visa Classic® Card Have Any Other Benefits?
The SKYPASS Visa Classic Visa card offers members an easy way to reach Morning Calm Club membership, which entitles them to exclusive check-in services, KAL lounge access, priority baggage handling and SkyTeam Elite member status. To qualify for Morning Calm membership, frequent flyers must accumulate 50,000 miles with Korean Air and 20,000 can come from credit card purchases. Cardholders also get auto rental collision damage waiver, $250,000 in travel accident insurance, and complimentary access to Experian's monthly credit score.
How Is US Bank SKYPASS Visa Classic® Card Better Than Other Credit Cards?
The US Bank SKYPASS Visa Classic® Card only makes sense for frequent flyers with Korean Air who value Morning Calm Club membership and don't fly enough to earn it purely through flights. Any other person who qualifies for this card will probably get a better deal through other travel rewards credit cards.
Contact
- Headquarters
-
1813 Wilshire Blvd # 4
Los Angeles, CA 90057 USA - (213) 484-1900
- Visit Site
Other Services by US Bank
Availability
- 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
| Grace Period for Late Payment (Days) | 24 |
| Over-Limit Fee | $0 |
| Late Payment Penalty | $38 |
| Returned Payment Fee | $35 |
| Minimum Interest Charge | $2 |
| Annual Fee | $50 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 3% |
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