Old Second Visa® Platinum Card
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| Purchase APR (Variable APR) |
18.99% - 28.99% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
18.99% - 28.99% (Verified 08/04/2023) |
| Credit Score Range | 620 - 850 |
| Annual Fee | $0 |
Old Second Visa® Platinum Card Review
This is a card issued by Old Second National Bank. If you're wondering whether old second credit cards is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 28.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Old Second Visa® Platinum Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 620.
Pros & Cons of old second credit cards
| The Good | The Bad |
|---|---|
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old second credit cards FAQ
Does old second credit cards have a cash back or rewards program?
No, it does not offer a rewards program.
What are the old second credit cards benefits?
It provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for old second credit cards?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Old Second Visa® Platinum Card has a variable purchase APR that ranges from 18.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 28.99%. It also has a variable cash advance APR of 29.99% .
Does old second credit cards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 18.99% - 28.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does old second credit cards have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 18 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.
What are the fees for old second credit cards?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $41 |
| Late Payment Fee | Starting at up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does old second credit cards have a foreign transaction fee?
old second credit cards 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 foreign transaction fees.What is the customer service phone number for old second credit cards?
The old second credit cards customer service number is (877) 866-0202.
What is the support contact email for old second credit cards?
The support contact email for old second credit cards is SupportCenter@oldsecond.com.
What is the old second credit cards login page?
You can access the old second credit cards login page here.
How do people rate the customer service and user experience of old second credit cards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for old second credit cards
- Visit the old second credit cards 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
37 S River St
Aurora, IL 60506 - (877) 866-0202
- Visit Site
- Email Support
Other Services by Old Second National Bank
Other Credit Cards by Old Second National Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 18 months |
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