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US Bank LATAM Visa Signature® Card

in Personal Credit Cards

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US Bank LATAM Visa Signature® Card

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in Personal Credit Cards

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Overview

Who is the US Bank's LATAM Visa Signature® Card Designed For?

The US Bank LATAM Visa Signature® Card is designed for people with good to excellent credit who enjoy traveling in South America and are looking for a generous signup bonus. LATAM Airlines is a group of South American airlines with headquarters in Santiago, Chile.

What are the Rates for US Bank's LATAM Visa Signature® Card?

The rates for purchases and balance transfers range from 14.49% APR to 24.49% APR based on creditworthiness. There is no introductory rate for balance transfers. Cash advances have a 25.49% APR.

What Are the Fees for US Bank's LATAM Visa Signature® Card?

US Bank LATAM has a $75 annual fee, but the fee is waived the first year, which makes it attractive for those looking for cheap miles or who would like to test drive the card before they commit to paying a fee. The other fees are the standard 3% and $5 minimum for balance transfers and 4% with a $5 minimum for cash advances. Foreign transactions have a 2% fee when the transaction is performed in dollars and 3% if it's in another currency. Returned payments have a $38 fee and late payments have a $35 fee.

What Is US Bank's LATAM Visa Signature® Card Rewards Program Like?

LATAM Visa Signature® offers one LATAM point for every $1 you spend and double points on ticket purchases. There is no cap on the number of miles you can earn and members also benefit from a 25% flight miles bonus. The rewards rate is nothing special, particularly when you consider the $75 annual fee, but it also includes valuable perks and benefits that make this card worth serious consideration.

What about US Bank's LATAM Visa Signature® Card Signup Bonus?

LATAM Visa Signature® offers a generous 20,000 miles signup bonus just for making a purchase. Members also receive 4,000 every year they renew their card and pay the $75 annual fee.

Does US Bank's LATAM Visa Signature® Card Any Other Benefits?

US Bank's LATAM Visa Signature® offers a selection of perks and benefits to LATAM travelers. These include 20 percent discount on LATAM purchases and three one-way upgrade coupons a year, a perk not many airlines offer. However, members must spend $15,000 in purchases to qualify for the upgrade coupons the following years. The card also offers a concierge service, special dining privileges and premium offers to members.

How Is US Bank's LATAM Visa Signature® Card Better Than Other Credit Cards?

New users of the LATAM Visa Signature® receive a large signup bonus without having to pay an annual fee or spend $2,000 to $3,000 in purchases during the first three months, which is the standard requirement for most cards with large signup bonuses. The rewards rate for everyday purchases is low: just 1 point for every $1 spent. However, LATAM ticket purchases receive double points. Add to this valuable perks--such as 20% discount on flights, 25% flight miles bonus, 4,000 bonus miles every year for renewing, and three upgrade coupons per year that users spend over $15,000--and you have yourself an airline credit card worth considering for people who frequently travel to South America.

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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

Grace Period for Late Payment (Days) 24
Over-Limit Fee $0
No Annual Fee First Year  
Late Payment Penalty $38
Returned Payment Fee $35
Minimum Interest Charge $2
Annual Fee $75
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points) 20,000
Annual Loyalty Bonus (points) 4,000
Purchase APR (Variable APR) 14.49% - 24.49%
Cash Advance APR (Variable APR) Starting at 25.49%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 14.49% - 24.49%

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