US Bank SKYPASS Visa Classic® Card
in Personal Credit Cards from US Bank
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| Purchase APR (Variable APR) | 14.99% - 22.99% |
| Balance Transfer APR (Variable APR) | 14.99% - 22.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $50 |
US Bank SKYPASS Visa Classic® Card Review
US Bank SKYPASS Visa Classic® Card is a rewards credit card issued by US Bank. If you're wondering whether US Bank SKYPASS Visa Classic® 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 5000 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. US Bank SKYPASS Visa Classic® Card has a variable purchase APR that ranges from 14.99% up to 22.99%.
- 3% Balance transfer fee. US Bank SKYPASS Visa Classic® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
US Bank SKYPASS Visa Classic® Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a US Bank SKYPASS Visa Classic® Card cash back or rewards program?
US Bank SKYPASS Visa Classic® Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 5000 |
| Annual Loyalty Bonus (Points/Miles) | 1000 |
Does US Bank SKYPASS Visa Classic® Card have a signup bonus?
US Bank SKYPASS Visa Classic® Card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does US Bank SKYPASS Visa Classic® Card offer an annual loyalty bonus?
US Bank SKYPASS Visa Classic® Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 1000 points that can be redeemed for travel, gifts, and other perks.What are the US Bank SKYPASS Visa Classic® Card benefits?
US Bank SKYPASS Visa Classic® Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for US Bank SKYPASS Visa Classic® 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. US Bank SKYPASS Visa Classic® Card has lower than average purchase APRs.US Bank SKYPASS Visa Classic® Card has a variable purchase APR that ranges from 14.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 22.99%. It also has a variable cash advance APR starting at 23.99% .
Does US Bank SKYPASS Visa Classic® Card have an introductory APR offer on balance transfers?
No, US Bank SKYPASS Visa Classic® Card does not come with an introductory APR offer for balance transfers.Does US Bank SKYPASS Visa Classic® Card have an introductory APR offer on new purchases?
US Bank SKYPASS Visa Classic® Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for US Bank SKYPASS Visa Classic® Card?
The following fees apply to US Bank SKYPASS Visa Classic® Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $50 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $40 |
Does US Bank SKYPASS Visa Classic® Card have a foreign transaction fee?
US Bank SKYPASS Visa Classic® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does US Bank SKYPASS Visa Classic® Card report your account activity to credit bureaus?
US Bank SKYPASS Visa Classic® 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 can help improve your credit.
How to apply for US Bank SKYPASS Visa Classic® Card
- Visit the US Bank SKYPASS Visa Classic® 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.
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Contact
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800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
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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
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Cash Advance Fee (%) | Up to 4% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $50 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $40 |
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