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US Bank SKYPASS Visa Classic® Card

in Personal Credit Cards

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US Bank SKYPASS Visa Classic® Card

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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.

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...

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

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
Foreign Currency Transaction Fee
3%
Minimum Age
18
Co-signing Allowed
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
Fraud Liability
Travel Insurance
Emergency Support
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points)
5,000
Annual Loyalty Bonus (points)
1,000
Purchase APR
(Variable APR)
14.49% - 21.49%
0% 29%
Cash Advance APR
(Variable APR)
Starting at
25.49%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
14.49% - 21.49%
8% 29%
Transfer Fee
3% w/ $5 min
Transfer Fee %
3%
Transfer Fee Minimum
$5

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