![]() Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Not all transactions are eligible to earn Points, such as Advances, Balance Transfers, and Convenience Checks upon approval, see your Cardmember Agreement for details. Points are earned based on eligible net purchases. Net Purchases are purchases minus credits and returns. Points are earned on eligible Net Purchases. ![]() Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening. One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Bank ExtendPay ® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ![]() Bank ExtendPay ® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. There is a $1 minimum interest charge where interest is due. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Advance fee: 5% of each advance amount, $10 minimum. The variable APR for Cash Advances is 29.99%. * The APR may vary, the variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). Find a financial advisor or wealth specialist.With a simple earning structure and no fees attached, the card is Apple to a T: streamlined, elegant and designed for the most positive user experience possible. It doesn't offer the most lucrative rewards structure out there, but if you're an Apple loyalist or want a helpful introduction to the credit card world, it could be a fit for you. Like most rewards cards, the Apple Card is what you make of it. Additionally, the Apple Card features a "one-time unique dynamic security code" that changes after each purchase you make, adding another layer of protection against fraud. To access those card numbers when making a purchase online, cardholders need to pull up their card in the Wallet app. Other banks, such as Chase and Citi, have similar policies.Īpple says that Goldman Sachs, its partner for the card, will not share or sell your data to third-party companies.Īs for fraud prevention, the physical card has no card number, security code, expiration date or signature - just your name and a chip. consumer privacy policy, which details the many ways it puts information about a customer's creditworthiness and their transaction history in the hands of a wide range of other companies. Most banks don't just make money from fees and finance charges - they also profit from your personal information.Ĭonsider Bank of America's U.S. Advanced privacyĪnd maybe the most important feature of all: The Apple Card goes above and beyond its competitors to protect your privacy and prevent fraud. But as someone still new to the space, I enjoy the peace of mind that comes with the Apple Card. If you're a points and miles pro, maybe none of this is a big deal to you. Just sign up in minutes, earn easy cash back with Apple Pay and don't worry about fees attached to traveling abroad, going over your limit or even making a late payment. Not even hidden ones."Īside from the obvious fact that it's cheaper, I also enjoy the wall-to-wall simplicity of Apple's approach here. As the card page promises, it truly has "No fees. That means no annual fee, over-the-limit fees, foreign transaction fees or late fees. The Apple Card has absolutely no fees attached. Through your Wallet app, you can see previous monthly statements, make a payment, check your available balance and more.ĭaily Cash and a clean, integrated interface are welcome changes from issuers who offer monthly cash back and clunky third-party apps. The interface is built by Apple, meaning it's simple and easy to use.
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