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  US Bank LATAM Visa® Card

US Bank LATAM Visa® Card

in Personal Credit Cards from US Bank

Unaffiliated

US Bank LATAM Visa® Card

Unaffiliated

in Personal Credit Cards from US Bank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 16.99% - 23.99%
Balance Transfer APR  (Variable APR) 16.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $45

US Bank LATAM Visa® Card Review

This is a rewards credit card issued by US Bank. If you're wondering whether US Bank LATAM Visa® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 15000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. US Bank LATAM Visa® Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
  • Annual fee waived the first year. US Bank LATAM Visa® Card gives you the chance to have the card for a year without paying the $45 annual fee.
  • 3% Balance transfer fee. US Bank LATAM Visa® 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.
  • Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 650.
Pros & Cons of US Bank LATAM Visa® Card
The Good The Bad
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • US Bank LATAM Visa® Card reports to multiple credit bureaus.
  • Charges an annual fee of $45
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
US Bank LATAM Visa® Card FAQ

Does US Bank LATAM Visa® Card have a cash back or rewards program?

US Bank LATAM Visa® Card is a travel rewards card.

US Bank LATAM Visa® Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 15000
Annual Loyalty Bonus (Points/Miles) 2000

Does US Bank LATAM Visa® Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does US Bank LATAM Visa® Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 2000 points that can be redeemed for travel, gifts, and other perks.

What are the US Bank LATAM Visa® Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for US Bank LATAM Visa® 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.

It has a variable purchase APR that ranges from 16.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 24.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does US Bank LATAM Visa® Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does US Bank LATAM Visa® 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 US Bank LATAM Visa® Card?

The following fees apply:

  • There is no overlimit fee
US Bank LATAM Visa® Card Fees
Fees Amount
Annual Fee $45
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

Does US Bank LATAM Visa® Card have a foreign transaction fee?

US Bank LATAM Visa® Card 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 US Bank LATAM Visa® Card?

The US Bank LATAM Visa® Card customer service number is (800) 872-2657.

What is the support contact email for US Bank LATAM Visa® Card?

The support contact email for US Bank LATAM Visa® Card is customer.support@usbank.com.

How do people rate the customer service and user experience of US Bank LATAM Visa® Card?

Overall, US Bank LATAM Visa® Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does US Bank LATAM Visa® Card report your account activity to credit bureaus?

Yes, US Bank LATAM Visa® 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 US Bank LATAM Visa® Card

  • Visit the US Bank LATAM Visa® 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by US Bank

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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 First Year
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $45
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Extended Warranty Protection
Annual Loyalty Bonus (points) 2,000
Rewards Categories
  • Points on Every Purchase
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 16.99% - 23.99%
Balance Transfer APR (Variable APR) 16.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

US Bank LATAM Visa® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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.

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