Porsche Club of America Credit Card
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| Purchase APR (Variable APR) |
16.24% - 20.24% (Verified 09/06/2022) |
| Balance Transfer APR (Variable APR) |
16.24% - 27.24% (Verified 09/06/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Porsche Club of America Credit Card Review
This 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.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers 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 that ranges from 16.24% up to 20.24%.
- 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. Porsche Club of America Credit 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 $15.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Porsche Club of America Credit Card
| The Good | The Bad |
|---|---|
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Porsche Club of America Credit Card FAQ
Does Porsche Club of America Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Porsche Club of America Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Porsche Club of America Credit Card has a variable purchase APR that ranges from 16.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 27.24%. It also has a variable cash advance APR of 27.24% .
Does Porsche Club of America Credit Card 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 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 16.24% - 27.24% |
| Balance Transfer Fee Minimum | $15 |
| Balance Transfer Fee % | 3% |
Does Porsche Club of America Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Porsche Club of America Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $38 |
| Late Payment Fee | up to $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Porsche Club of America Credit Card?
The Porsche Club of America Credit Card customer service number is (800) 650-7141.
What is the support contact email for Porsche Club of America Credit Card?
The support contact email for Porsche Club of America Credit Card is homelending@umpquabank.com.
What is the Porsche Club of America Credit Card login page?
You can access the Porsche Club of America Credit Card login page here.
How do people rate the customer service and user experience of Porsche Club of America Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Porsche Club of America Credit Card report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
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 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
-
111 N. Wall Street
Spokane, WA 99201 USA - (800) 650-7141
- Visit Site
- Email Support
Other Services by Umpqua Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
| Cash Advance Fee Minimum | $15 |
| Cash Advance Fee (%) | 3% |
| Minimum Cash Advance Fee ($) | Starting at $15 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0.50 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $38 |
| Late Fee Amount | Up to $38 |
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