SuperMoney
  Porsche Club of America Credit Card

Porsche Club of America Credit Card

in Personal Credit Cards from Umpqua Bank

Claimed

Porsche Club of America Credit Card

Claimed

in Personal Credit Cards from Umpqua Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Porsche Club of America Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

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

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% 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 15.99% up to 19.99%.
  • 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. Porsche Club of America Credit 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 $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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Porsche Club of America Credit Card Pros & Cons
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.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Porsche Club of America Credit Card reports to multiple credit bureaus.
  • Has foreign transaction fees.
  • Requires good to excellent credit.
  • 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.
  • Charges a 3% balance transfer fee.
Porsche Club of America Credit Card FAQ

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:

  • 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 on balance transfers?

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 Balance Transfers
Description
Balance Transfer APR 15.99% - 26.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $15

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

Porsche Club of America Credit Card does not offer an introductory rate on new purchases.
Porsche Club of America Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Porsche Club of America Credit Card?

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%
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?

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) 3%
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $38
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Assistance
Cash Advance APR (Variable APR) 26.99%
Purchase APR (Variable APR) 15.99% - 19.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.99% - 26.99%
Balance Transfer Fee Minimum $15
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend Porsche Club of America Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards