Sandals Visa Signature® Credit Card

Sandals Visa Signature® Credit Card Review

This is a rewards card issued by Bank of America. If you're wondering whether Sandals Visa Signature® Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 7 months.
• Competitive APRs. Sandals Visa Signature® Credit Card has a variable purchase APR that ranges from 14.24% up to 24.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Sandals Visa Signature® 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 $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 580.

Pros & Cons of Sandals Visa Signature® Credit Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR on new purchases during the first 7 months. There is then a variable purchase APR that ranges from 14.24% up to 24.24%. No annual fee. Free access to your credit score. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Sandals Visa Signature® Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Sandals Visa Signature® Credit Card FAQ

Does Sandals Visa Signature® Credit Card have a cash back or rewards program?

Sandals Visa Signature® Credit Card is a rewards card.

Sandals Visa Signature® Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the Sandals Visa Signature® Credit Card benefits?

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Sandals Visa Signature® 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. This card has lower than average regular APRs.

Sandals Visa Signature® Credit Card has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%. It also has a variable cash advance APR that ranges from 17.24% up to 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Sandals Visa Signature® Credit Card?

The following fees apply:

Sandals Visa Signature® Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	$40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Sandals Visa Signature® Credit Card report your account activity to credit bureaus?

Yes, Sandals Visa Signature® 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 Sandals Visa Signature® Credit Card

• Visit the Sandals Visa Signature® 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.