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  Porsche Club of America Credit Card

Porsche Club of America Credit Card

in Personal Credit Cards from Umpqua Bank

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Porsche Club of America Credit Card

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in Personal Credit Cards from Umpqua Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.99% - 19.99%
Balance Transfer APR  (Variable APR) 15.99% - 26.99%
Credit Score Range 700 - 850

Porsche Club of America Credit Card Review

Porsche Club of America Credit Card is a credit card issued by Umpqua Bank.  If you're wondering whether Porsche Club of America Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. Porsche Club of America Credit Card has a variable purchase APR of up to 19.99%.
  • Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • A percentage of every purchase made on your Porsche Club of America credit card goes back to Porsche Club of America.
  • No annual fee.
  • Convenient cash access at thousands of ATMs
  • Has benefits such as Visa's Zero Fraud Liability Protection, Auto Rental Insurance and Travel Assistance Service.
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Porsche Club of America Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Travel Assistance.
  • Has foreign transaction fees.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.

Is there a Porsche Club of America Credit Card cash back or rewards program?

No, Porsche Club of America Credit Card does not offer a rewards program.

What are the Porsche Club of America Credit Card benefits?

Porsche Club of America Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Porsche Club of America Credit 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. Porsche Club of America Credit Card has lower than average purchase APRs.

Porsche Club of America Credit Card has a variable purchase APR that ranges from 15.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 26.99%. It also has a variable cash advance APR of 26.99% .

Does Porsche Club of America Credit Card have an introductory APR offer?

Yes, Porsche Club of America Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Porsche Club of America Credit Card does not offer an introductory rate on new purchases.
Porsche Club of America Credit Card Balance Transfers
Description
Balance Transfer APR 15.99% - 26.99%
Introductory Rate 0%
Intro APR period (months) 12
Porsche Club of America Credit Card Rates & Terms
Description
Balance Computation N/A
Purchase APR 15.99% - 19.99%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 26.99%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the Porsche Club of America Credit Card fees?

The following fees apply to Porsche Club of America Credit Card:

Porsche Club of America Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $15
Returned Payment Fee up to $38
Late Payment Fee up to $38

Does Porsche Club of America Credit Card have a foreign transaction fee?

Porsche Club of America Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Porsche Club of America Credit Card report your account activity to credit bureaus?

Porsche Club of America Credit 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 score.

How to apply for Porsche Club of America Credit Card

  • Visit the Porsche Club of America Credit 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.

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

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

Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 21
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $15
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $15
Foreign Currency Transaction Fee 2%
Late Fee Amount Up to $38
Minimum Interest Charge $0.50
Returned Payment Fee Up to $38
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Assistance
Fraud Liability  
Cash Advance APR (Variable APR) 26.99%
Purchase APR (Variable APR) 15.99% - 19.99%
Balance Transfer APR (Variable APR) 15.99% - 26.99%
Intro APR period 12
Introductory Rate 0%

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