US Bank SkyBlue SKYPASS Visa Credit Card
in Personal Credit Cards from US Bank
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| Balance Transfer APR (Variable APR) | 14.49% - 21.49% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.49% - 21.49% |
US Bank SkyBlue SKYPASS Visa Credit Card Review
US Bank SkyBlue SKYPASS Visa Credit Card is a rewards credit card issued by US Bank. If you're wondering whether US Bank SkyBlue SKYPASS Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. US Bank SkyBlue SKYPASS Visa Credit Card has a variable purchase APR that ranges from 14.49% up to 21.49%.
- 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. US Bank SkyBlue SKYPASS Visa 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, travel accident insurance, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
US Bank SkyBlue SKYPASS Visa Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a US Bank SkyBlue SKYPASS Visa Credit Card cash back or rewards program?
US Bank SkyBlue SKYPASS Visa Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 0.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 5000 |
Does US Bank SkyBlue SKYPASS Visa Credit Card have a signup bonus?
US Bank SkyBlue SKYPASS Visa Credit Card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does US Bank SkyBlue SKYPASS Visa Credit Card offer an annual loyalty bonus?
US Bank SkyBlue SKYPASS Visa Credit Card doesn't offer a cash loyalty bonus.What are the US Bank SkyBlue SKYPASS Visa Credit Card benefits?
US Bank SkyBlue SKYPASS Visa Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for US Bank SkyBlue SKYPASS Visa 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. US Bank SkyBlue SKYPASS Visa Credit Card has lower than average purchase APRs.US Bank SkyBlue SKYPASS Visa Credit Card has a variable purchase APR that ranges from 14.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 21.49%. It also has a variable cash advance APR starting at 25.49% .
Does US Bank SkyBlue SKYPASS Visa Credit Card have an introductory APR offer on balance transfers?
No, US Bank SkyBlue SKYPASS Visa Credit Card does not come with an introductory APR offer for balance transfers.Does US Bank SkyBlue SKYPASS Visa Credit Card have an introductory APR offer on new purchases??
US Bank SkyBlue SKYPASS Visa Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the US Bank SkyBlue SKYPASS Visa Credit Card fees?
The following fees apply to US Bank SkyBlue SKYPASS Visa Credit Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $38 |
Does US Bank SkyBlue SKYPASS Visa Credit Card have a foreign transaction fee?
US Bank SkyBlue SKYPASS Visa Credit 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 a foreign transaction fee.Does US Bank SkyBlue SKYPASS Visa Credit Card report your account activity to credit bureaus?
US Bank SkyBlue SKYPASS Visa 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 can help improve your credit score.
How to apply for US Bank SkyBlue SKYPASS Visa Credit Card
- Visit the US Bank SkyBlue SKYPASS Visa 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.
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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - Visit Site
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 | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | $35 |
| Late Fee Amount | $38 |
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