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US Bank SKYPASS Visa Signature® Card

in Personal Credit Cards

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US Bank SKYPASS Visa Signature® Card

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in Personal Credit Cards

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Overview

The high annual fee for the SKYPASS Visa Signature® Card may put off a lot of potential cardholders. But this card has many positive attributes. Especially if you can qualify for the lower APR, you could gain enough to make the annual fee a worthwhile investment.

Who Is the US Bank SKYPASS Visa Signature® Card Designed For?

This is a regular consumer credit card. Korean Air SKYPASS members stand to gain the greatest benefit. It is not intended for students or business use.

Are There Annual Fees?

The annual fee is 80 dollars.

Does the US Bank SKYPASS Visa Signature® Card Offer Rewards?

Cardholders receive 2 miles for every 1 dollar spent on Korean Air tickets, 1 mile for every 1 dollar for everything else. Cardholders also receive an extra 2,000 miles on every anniversary. Cardholders also benefit from concierge service, discounts on travel, shopping, sports and entertainment, 2 Korean Air VIP Lounge passes annually, travel and emergency assistance, and travel accident insurance.

Are There Foreign Transaction Fees?

There are no foreign transaction fees.

Are There Late Payment or other Penalty Fees?

Late payments and return payments are penalized up to 38 and 35 each respectively. Balance transfers, convenience checks are charged 5 dollars or 3 percent of the total transaction, whichever is greater. Cash advances are charged 5 dollars or 4 percent of the total transaction, whichever is greater. Cash equivalent advances are charged 10 dollars or 4 percent of the total transaction, whichever is greater.

Summary

For Korean Air tickets and balance transfers paid off within a year, the US Bank SKYPASS Visa Signature® Card can be a good deal, despite the high annual fee. The card also has no preset limit, which is also a benefit. For individuals with fair credit, it may be worthwhile to swallow the high annual fee, but individuals with good or excellent credit should be able to find credit cars with awards programs and low or no annual fees.

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Late Payment Penalty $38
Returned Payment Fee $35
Minimum Interest Charge $2
Annual Fee $80
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
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  
Extended Warranty  
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
Every Purchase 1 mile for every net $1
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points) 15,000
Annual Loyalty Bonus (points) 2,000
Purchase APR (Variable APR) 14.49% - 21.49%
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%

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