Best Airline Credit Cards 2018
- September 23, 2016
- Posted by: Andrew Rombach
- Category: Credit Cards
These days, plenty of major businesses and companies provide a credit card branded with their name. This is a heavily utilized practice; for instance, credit cards such as the Victoria’s Secret Angel Card or the Staples® Credit Card are prime examples. Credit cards such as these are no different than other credit cards in the sense that annual percentage rates, annual fees, and monthly payments all work the same way. In spite of that, there is a clear difference in the incentive for these credit cards from the perspective of both the consumer and the business.
From the company point of view, these credit cards are basically meant to improve business and revenue. These travel credit cards often provide some benefits and exclusive access to customers, so they essentially drive people to spend money with the brand.
On the other hand, these cards can be fairly beneficial from the consumer perspective. If a customer knows he or she will be spending money with a company, then there is definitely a positive incentive to signing up for a store or company branded card. The main incentive being the credit card benefits which can provide many benefits with continued patronage at one store.
Airlines are no exception to this rule; in fact, airline credit cards offer some of the best benefits on the market. Since recurring airline customers are guaranteed to spend thousands on air travel, it makes perfect sense to pick up a branded airline credit card and build up benefits with that airline company.
That being said, there are plenty of airlines in the world, so there are plenty of airline credit cards to choose from. Here is a list of the best airline credit cards this year.
*All APRs listed below are current as of the date of this posting and are subject to change at any time depending on the card issuer and market fluctuation.
The Top 10 Airline Credit Cards for 2018
Platinum Delta SkyMiles® Credit Card/Gold Delta SkyMiles Credit Card
APR: 15.99% - 24.99%
Rewards: 2 miles/$ on Delta purchases, 1 mile/$ on all purchases
Bonus Rewards: 35,000 bonus miles/5,000 MQMs for spending $1,000 within three months, $100 credit for first purchase with Delta
Fees: $195 annual, $5 or 3% on balance transfers, $37 late payment fee, no foreign transaction fee
APR: 15.99% - 24.99%
Rewards: 2 miles/$ on Delta purchases, 1 mile/$ on all purchases
Bonus Rewards: 35,000 bonus miles for $1,000 spent within three months, $50 credit for first Delta purchase
Fees: $95 annual (first year free), $5 or 3% on balance transfers, $37 late payment fee, no foreign transaction fee
In conjunction with Delta Airlines, American Express offers two desirable airline credit cards that provide ample travel benefits to lucky card holders. Either of these two credit cards is ideal for the habitual Delta Airline customer. Check out some of the benefits of the Platinum Delta SkyMiles® and the Gold Delta SkyMiles® Credit Cards from American Express.
The Platinum version comes with much more compared to its Gold counterpart, but both cards come with some serious rewards and introductory bonuses. Platinum members can earn up to 35,000 bonus miles and 5,000 Medallion Qualification Miles (MQM) for spending at least $1,000 during the first three months of opening an account. MQMs are part of an exclusive reward program for Platinum members. Gold members are eligible for just 35,000 bonus miles under the same conditions, but no MQM points are available.
In addition to the intro deal on the Gold and Platinum Delta SkyMiles® Card, there are benefits that reward initial purchases as well as routine spending with these airline credit cards. Aside from priority boarding, Gold and Platinum members can look forward to some positive benefits.
Platinum Delta SkyMiles® card holders can get a $100 credit for simply making a purchase at Delta Airlines, and Gold Delta card holders receive $50 for making the same purchase. When flying with luggage on a Delta flight, both Platinum and Gold cardholders are eligible for up to a $50 credit on baggage fees round-trip.
When Platinum cardholders spend at least $25,000 in a calendar year, they receive 10,000 MQMs and 10,000 bonus miles; this benefit is doubled for spending $50,000 in a calendar year. Platinum members also save 20% on in-flight purchases, and they receive a round-trip ticket for a companion every calendar year. These are benefits that Gold cardholders do not have.
Both Platinum and Gold Delta SkyMiles® cardholders earn two miles for every dollar spent on Delta Airlines purchases. One mile is awarded for every dollar spent on all other purchases.
The only difference in rates and fees between the Gold and Platinum Delta credit cards is the annual fee. Platinum cardholders can expect to fork over $195 annually. Gold account members get the first year for free, but they are expected to pay a $95 annual fee afterwards. Both cards charge $5 or 3% for balance transfers and cash advances, but there are no foreign transaction fees for either card. Late or returned payments warrant a maximum $37 fee for both cards.
The annual percentage rates (APR) for both cards are the same. Regular APR is variable and resides within a range of 15.99% to 24.99%. This range is the same for balance transfer APR. The cash advance APR is 25.49% while the penalty APR is 29.49%.
The Platinum Delta SkyMiles® Credit Card and the Gold Delta SkyMiles® Credit Card are two solid options for anyone who plans on consistently flying with Delta Airlines. There are extensive perks to go along with a standard cash back (or bonus miles) rate that make the airport more manageable. In a way, that is one of the best perks of an airline credit card.
United MileagePlus® Club Card/United MileagePlus® Explorer Card
APR: 16.24% - 23.24%
Rewards: 2 miles/$ on United Airlines purchases, 1.5 miles/$ on purchases
Bonus Rewards: Annual United Club membership
Fees: Annual $450 fee, $5 or 5% on balance transfers, no foreign transaction fee, $37 late payment fee
APR: 16.24% - 23.24%
Rewards: 2 miles/$ on United Airlines purchases, 1 mile/$ on purchases
Bonus Rewards: 30,000 miles for spending $1,000 within first 3 months
Fees: Annual $95 fee (first year free), $5 or 5% on balance transfers, no foreign transaction fee, $37 late payment fee
United Airlines wasted no time in pairing with Chase Bank to offer credit card products to its devoted fliers. Consumers looking to build credit with Untied and Chase can decide between two premier credit cards: the United MileagePlus® Club Card or the United MileagePlus® Explorer Card. The benefits of these cards differ slightly, which is evident by their titles.
In terms of introductory bonuses, the United Explorer Card has more to offer, but the United Club Card gives more of an annual bonus to its cardholders. United Explorer cardholders receive 30,000 bonus miles for spending at least $1,000 during the first three months with the card. In contrast, United Club cardholders can look forward to a $100 credit for their first purchase. The real attraction is the United Club membership, a yearly $550 value, which Club cardholders have annual access to.
Both cardholders benefit from a $100 credit toward bag checking fees which is valid for round-trip flights with United Airlines. United Club and Explorer cardholders benefit from priority boarding on United flights. United Club Card account holders are eligible for Platinum status in the Hyatt Gold Passport program, and United Explorer Card account holders receive two United Club passes annually. The United Explorer Card comes with an extra 10,000 bonus miles for spending at least $25,000 annually.
Both cardholders receive 2 miles for every dollar spent on United Airlines tickets. United Club cardholders get 1.5 miles for every dollar spent elsewhere, and United Explorer card holders accrue 1 mile for every dollar spent elsewhere.
There is only one major difference between these two credit cards when it comes to fees. The annual fee for the Club Card is $450, while the annual fee for the Explorer Card is $95 (first year is free). Balance transfers are charged either $5 or 5%, while cash advances are charged either $10 or 5%. The maximum late and returned payment penalties are $37. Despite all of these potential charges, there is no foreign transaction fee for either card.
In terms of APR, there are no differences between the Explorer and Club Cards, which is variable and falls between 16.24% and 23.24%. An APR of 25.24% is in place for both cash advances and overdraft advances.
The United Explorer and Club Cards are both good travel credit cards with different focuses. The Club Card is all about VIP access to the United Airlines club and lounge, while the Explorer Card is geared towards the habitual flyer looking for a return on expense. They both have their perks, so it is up to the potential cardholder to make a decision between the two.
Southwest Airlines Rapid Rewards® Premier Credit Card
APR: 16.49% - 23.49%
Rewards: 2 points/$ on Southwest Airlines purchases, 1 point/$ on regular purchases
Bonus Rewards: 50,000 points for spending $2,000 within first 3 months, 6,000 points annually for maintaining account
Fees: $99 annual fee, $5 or 5% on balance transfer, $37 late payment fee, no foreign transaction fee
Chase has increased its reach by offering credit card products in partnership with Southwest Airlines, a popular North American airline. Southwest Airline flyers would do well to look into the Southwest Airlines Rapid Rewards® Premier Credit Card from Chase Bank.
This airline credit card kicks off with a staggering introductory bonus deal of 50,000 points. Cardholders can expect this bonus when they make at least $2,000 of purchases during the first three months with the credit card. On top of this bonus intro deal, cardholders can earn 6,000 additional points every year for simply keeping the account open.
When making purchases at Southwest Airlines, Rapid Rewards® cardholders earn two points for every dollar spent. When making regular purchases elsewhere, only one point is accrued for every dollar spent. There are no limits to this point system, so cardholders can build rewards to no end.
Having this credit card comes with a few other benefits in addition to the rewards program. For starters, the bag check fee is waived for the first and second bags when traveling with Southwest. Additionally, cardholders never have to worry about blackout dates or seating.
There are several fees to keep in mind that are fairly standard for credit cards. There is an annual membership fee of $99. Balance transfer transactions are charged a fee of either $5 or 5% of the transaction. Additionally, cash advances are charged either $10 or 5%. The max late or returned payment penalty is up to $37. Take note that there is no foreign transaction fee with the Southwest Airlines Rapid Rewards® Premier Credit Card.
The annual percentage rates for regular purchases and balance transfers vary between 16.24% and 23.24%. The cash advance and overdraft advance APR is 25.24%.
The Southwest Airlines Rapid Rewards® Premier Credit Card offers a pretty decent introductory bonus and standard mile rewards for making transactions. It is definitely a must have for recurring Southwest Airlines clients, but at the end of the day, that is the extent of its usefulness.
British Airways Visa Signature® Card
APR: 16.24% - 23.24%
Rewards: 3 avios/$ on British Airways purchases, 1 avios/$ on regular purchases
Bonus Rewards: 50,000 avios for spending $3,000 within first three months
Fees: $95 annual fee, $5 or 5% on balance transfers, $37 late payment fee, no foreign transaction fee
Chase Bank takes yet another spot on this list by providing this credit card branded with an airline. The partner airline is international this time; British Airways offers flights for transatlantic and domestic European flights. Those who find themselves regularly crossing the Atlantic or flying in Europe should look into the British Airways Visa Signature Card from Chase Bank.
When British Airways Visa Signature® Card holders spend at least $3,000 during the first three months of opening an account, they earn 50,000 Avios to their account. An Avios is basically the base unit for the rewards program with British Airways. These points are redeemable towards flight discounts and other cash rewards.
Purchases made with British Airways are eligible for a points back rate of three Avios per dollar spent. When making other purchases anywhere else, only one Avios is awarded per dollar spent. There is no cap limit to these points, so cardholders can save them so long as the account is active.
A few other nice benefits come with the British Airways Visa Signature® Card; for instance, there are several travel and purchase protection perks as well as bonus deals. If a cardholder spends over $30,000 with the Visa Signature® Card, then they are awarded with a travel together ticket from British Airways. With this reward, you can double the value of an Avios redemption. When you redeem a seat for a flight, you can use this ticket to get another seat for a companion in the same cabin.
Since this credit card is offered by Chase bank, there are several common and standard fees to adhere to. Cardholders need to pay $95 every year in order to maintain an account with British Airways and Chase. Balance transfers are charged either $5 or 5% of the transaction; additionally, the cash advance fee is either $10 or 5% of the transaction. There is no foreign transaction fee since this card often crosses international borders. The maximum penalty fee for late payments is $37.
Annual percentage rates for regular purchases and balance transfers fall within a range of 16.24% to 23.24%. An APR of 25.24% is applicable to both cash advances as well as overdraft advances. All of these rates are variable and based on the prime market rate.
The British Airways Visa Signature® Card comes with decent benefits that are only worth it to the British Airways customer. The card happens to have a slightly better reward point rate than other cards for transactions. Overall, it is a good card when being compared to its main competitors.
Hawaiian Airlines® World Elite MasterCard®
APR: 16.24% to 25.24% (0% APR on balance transfers for first 15 months)
Rewards: 2 miles/$ on Hawaiian Airline purchases, 1 mile/$ on regular purchases
Bonus Rewards: 35,000 miles for spending $1,000 during first 3 months, annual 5,000 mile bonus for spending $10,000
Fees: $89 annual fee, $5 or 3% on balance transfers, $37 late payment fee, no foreign transaction fee
Barclays Bank enters the mix with the Hawaiian Airlines® World Elite Mastercard® which is provided for customers who frequently fly with Hawaiian Airlines. This credit card appeals to anyone who flies internationally in the Pacific Ocean region, and it offers some decent benefits on top of that.
Cardholders of the Hawaiian Airlines® World Elite MasterCard® can earn their introductory bonus deal more easily than many other competitors. By spending only $1,000 in the first three months with the card, cardholders gain 35,000 bonus miles to their account. These miles are redeemable for credit statements as well as flights. On top of this, an annual 5,000-mile bonus is given to cardholders for spending $10,000 before each account anniversary.
Two miles are awarded for every dollar spent with Hawaiian Airlines while just one mile is given for every dollar spent elsewhere. Keep in mind that these miles are completely transferrable between different accounts with the ShareMiles program. If necessary, a cardholder can transfer his or her miles to a friend’s account for any reason with no limitations.
Plenty of other benefits and rewards are tacked on to the Hawaiian Airlines® World Elite MasterCard®. The first bag check fee is waived when making the ticket purchase with the card. Cardholders receive a one-time half off discount when purchasing a ticket for a companion with the World Elite MasterCard. On top of this, a $100 credit towards a companion’s ticket is awarded every year.
Like many of these airline credit cards, the Hawaiian Airlines® World Elite MasterCard® comes with several fees to keep in mind. Every year, cardholders are required to put up $89 in order to keep hold of the credit card. All balance transfers are charged a fee of $5 or 3% of the transaction, and all cash advances are charged either $10 or 5% of the transaction amount. All payments made in a foreign country do not warrant any sort of foreign transaction fee. Late payment penalty fees run up to $37.
Only a few different APRs are present to worry about. All regular purchases come with an APR that ranges from 16.24% to 25.24%. This same range is used for balance transfers, but the first fifteen months comes with a 0% APR introductory period. Cash advances get slammed with a 25.49% APR every time.
Hawaiian Airlines and Barclays Bank offer a solid deal when it comes to airline credit cards. The World Elite MasterCard® comes with several benefits that are not offered elsewhere such as the ShareMiles program. Additionally, there are good opportunities to get discounts when traveling with companions, which gives this airline credit card a good reputation.
JetBlue Plus Card
APR: 12.24% to 25.24% (0% APR on balance transfers for first year
Rewards: 6 points/$ for JetBlue purchases, 2 points/$ for restaurant/gas station purchases, 1 point/$ on regular purchases
Bonus Rewards: 30,000 points for spending $1,000 within 90 days, 5,000 bonus points annually
Fees: $99 annual fee, $5 or 3% fee on balance transfers, $37 late payment fee, no foreign transaction fee
Barclays Bank offers a credit card through a partnership deal with JetBlue Airways, an airline company that offers flights out of the U.S. domestically and internationally. This credit card, the JetBlue Plus Card, offers unique benefits that are only available to habitual JetBlue customers who are in need of rewards.
The JetBlue Plus Card offers 30,000 bonus points for spending only $1,000 in the first ninety days of opening an account. In addition to this intro deal, there is a recurring annual bonus of 5,000 points which is awarded at each account anniversary. These points are redeemable for flight discounts and other cash prizes. Additionally, whenever these points are redeemed, the cardholder receives 10% of these points back to his or her account.
JetBlue offers some of the best mile rates on spending compared to other common airline credit cards. Purchases made with JetBlue Airways directly receive six points per dollar spent. Purchases made at restaurants and grocery stores earn two points per dollar spent. All other purchases receive one point per dollar spent.
When a cardholder purchases a Getaways vacation package, he or she is eligible for a $100 cash back credit. Whenever flying with JetBlue, all in-flight purchases are 50% off, and the first bag check is free of charge. TrueBlue Mosaic is available for a year when a cardholder spends at least $50,000 in a year.
Just like any other credit card, there are several fees to consider when looking at the JetBlue Plus Card. An annual fee of $99 is required. All balance transfers come with a $5 or 3% transaction fee; additionally, cash advance transactions come with a fee of either $10 or 5% of the transaction. There is no fee associated with foreign transactions. Penalty fees for late and returned payments max out at $37.
Regular purchase annual percentage rates run between 12.24% and 25.24%, which is also applicable for balance transfers after a 0% introductory period (one year). An APR of 25.49% is applied to cash advances.
Overall, the JetBlue Plus Card is a pretty sweet deal in terms of benefits and fees. For less than $100, cardholders can get premier benefits for business with JetBlue Airways. The frequent JetBlue customer would definitely do well getting a JetBlue Plus Card.
Asiana Visa Signature® Credit Card
APR: 12.49% - 19.49%
Rewards: 3 miles/$ spent with Asiana, 2 miles/$ spent on restaurants/groceries, 1 mile/$ spent on regular purchases
Bonus Rewards: 30,000 miles for spending $3,000 within first 90 days, 10,000 bonus points annually
Fees: $99 annual fee, $10 or 5% on balance transfers, $37 late payment fee, no foreign transaction fee
Asiana Airlines is based out of South Korea and it teamed up with a big company, Bank of America, to find a way to reward its returning customers for their patronage. How did they do that? They created the Asiana Visa Signature® Credit Card which takes its place as one of the top credit cards in the airline credit card industry.
The Asiana Visa Signature® Credit Card comes with solid bonus rewards, and many of them recur annually as opposed to an introductory deal. The introductory bonus offer involves 30,000 Asiana miles, essentially points, for spending at least $3,000 during the first ninety days with the credit card. These points are redeemable for cash back value as well as airline tickets with Asiana.
On top of this, every year there are renewed benefits to look forward to. 10,000 bonus miles are awarded each year for simply holding onto the card. On top of this, a $100 rebate on Asiana Airline ticket purchases is available every year. To top it all off, cardholders are awarded two Asiana lounge passes annually; these give access to an exclusive lounge for Asiana customers.
Several standard reward benefits are applicable towards purchases made by cardholders. When spending on Asiana Airline purchases, cardholders earn three miles for every dollar spent. When making a purchase at a gas station or grocery store, two miles are awarded for each dollar spent in the transaction. Finally, one mile is accrued for every dollar spent on regular, day-to-day purchases.
The Asiana Visa Signature® Credit Card comes with a $99 fee that must be paid each year. Several transaction fees are applicable. Balance transfers and cash advances cost either $10 or 3% of the transaction. The maximum late fee is $37. Despite these fees, there is no foreign transaction fee with this credit card since it is used internationally.
Multiple different transaction types are also accompanied by an annual percentage rate (APR). Regular purchases and balance transfers could have an APR between 12.49% and 19.49%. Cash advances are a bit costlier; for instance, the APR for these transactions range between 15.49% and 22.49% (25.24% for bank cash advances). The penalty APR is 29.99%.
Like any of the cards on this list, this credit card is most worth it to consistent customers of Asiana Airlines. In terms of actual benefits, the Asiana Visa Signature® Card is slightly above average since it offers annual perks such as lounge access and ticket rebates.
Virgin Atlantic Black Credit Card
APR: 12.49% - 19.49%
Rewards: 3 miles/$ spent at Virgin Atlantic, 1.5 miles/$ spent on all other purchases
Bonus Rewards: 20,000 miles for first purchase, 15,000 miles for spending $25,000 annually, 5,000 miles for adding authorized cardholder
Fees: $90 annual fee, $10 or 3% on balance transfers, $37 late payment fee, no foreign transaction fee
Virgin Atlantic is an airline that was started in the United Kingdom back in the 1980s; now it is an international airline that covers transatlantic and European flights. Since it is such a large airline, it is only natural that it provides its own credit card (with Bank of America) which is dubbed the Virgin Atlantic World Elite Mastercard®. Despite this fancy title, the credit card is more commonly known as the Virgin Atlantic Black Credit Card.
There is an introductory bonus of 20,000 miles that gets credited to a user’s account. While this sounds like a much smaller bonus than other credit card offers, it is actually fairly comparable. The reason for this is because this intro bonus is awarded for simply making the first purchase with the Black Credit Card.
There are other bonus offers with the Black Card. An annual bonus of 15,000 miles is awarded for spending at least $25,000 each year. On top of that, cardholders get 5,000 miles to their account for simply adding an authorized additional user. There are opportunities to gain status with Virgin Atlantic; for instance, tier points are awarded per $2,500 in purchases as well as for flying with Virgin Atlantic. More tier points essentially mean better benefits.
Two different standard reward rates accompany the Virgin Black Card. When buying tickets or spending in general at Virgin Atlantic, cardholders earn three miles for every dollar spent. All other purchases accrue miles at a 1.5 to dollar spent ratio.
Many standard fees are present with this card offer, such as the $90 annual fee. Balance transfer and cash advance transactions warrant a fee of either $10 or 3% depending on which value is greater. Late payments receive a fee of $37. Despite all this, there is no foreign transaction fee with the card.
The annual percentage rates are fairly standard with possible rates on the low end of the spectrum. Regular purchases and balance transfers come with a minimum APR of 12.49% and a maximum of 19.49%. The cash advance APR falls between 15.49% and 22.49%, but bank cash advances come with an APR of 25.24%. The penalty APR is 29.99%.
Sounding like a true broken record, Virgin Atlantic customers who constantly fly with their airline benefit the most from picking up the Virgin Atlantic Black Card. The benefits are decent, and cardholders can obtain exclusive access to some cool features with the airline. Overall, it gets the stamp of approval.
Alaska Airlines Visa Signature® Credit Card
APR: 12.49% - 19.49%
Rewards: 3 miles/$ spent at Alaska Airlines, 1 mile/$ spent on regular purchases
Bonus Rewards: 30,000 miles and $121 companion ticket credit for spending $1,000 in first 90 days
Fees: $75 annual fee, $10 or 5% on balance transfers, $37 late payment fee, no foreign transaction fee
Alaska Airlines found its beginning by specializing in flights from Alaska to the contiguous United States; now it is one of the top airlines in terms of customer service and provides international flights. Being well known for its customer service, it is no surprise that the airline offers a credit card, the Alaska Airlines Visa Signature® Credit Card.
There are multiple benefits to the Alaska Airlines Credit Card. When new cardholders spend just $1,000 during the first ninety days, they are eligible for 30,000 bonus miles. In addition to this mile credit, cardholders receive another credit toward a companion’s ticket that is valued at $121. One extra benefit is the free bag checks that come with the credit card; in fact, there are free bag checks for the cardholder and up to six companions.
Two different spending rates of return are available for the Alaska Airlines credit card. Cardholders accrue three miles for every dollar spent at Alaska Airlines, and one point per dollar spent is earned for simply spending with the card in general.
This Visa Signature® Credit Card comes with a $75 annual fee; less qualified applicants can get the Platinum Plus® Credit Card for $50 annually. Balance transfers and cash advances are charged a fee of $10 or 5% depending on which is a greater value. There is a maximum $37 fee for making a late payment. There is no foreign transaction fee.
The Alaska Airlines Card is subject to standard Bank of America APRs. Balance transfers and regular purchases are subject to an APR range from 12.49% to 19.49%. Cash advances are burdened by a slightly higher APR range of 15.49% to 22.49%. The penalty APR is set at 29.99%.
Overall, the Alaska Airlines Visa Signature® Credit Card is a solid deal for Alaska Airline customers in need of benefits, and this card certainly does not lack any industry standards when it comes to that department.
SKYPASS Visa® Secured Credit Card
Rewards: 1 mile/$ on regular purchases
Bonus Rewards: 5,000 bonus points for making first purchase, 1,000 miles for paying annual fee
Fees: $50 annual fee, initial security deposit, 3% or $5 on balance transfers, $37 late payment fee, 2% fee on foreign transactions
Despite the title, "SKYPASS," this credit card is offered by Korean Air and finds it place on this list as the second Korean airline credit card and first secured credit card. The SKYPASS Visa® Secured Credit Card from US Bank is a fine option for Korean Air customers, but it is a great deal for those with bad credit.
Since it is a secured credit card, the SKYPASS Secured Card offers limited benefits, but they are favorable compared to other secured credit cards. When SKYPASS holders use their credit card for the first time, they earn 5,000 bonus miles. When cardholders pay the annual fee, they receive 1,000 miles. For the first year, that is a total of only 6,000 miles, but this is better than plenty of other secured cards.
When making regular purchases, cardholders accrue one mile for every dollar spent. This is the only rate available to these Korean Air secured cardholders, but there are some other perks as well. SKYPASS cardholders are eligible for up to $250,000 in travel accident insurance, which is a solid perk.
In order to qualify for the SKYPASS card, applicants must send in a deposit which defines their credit limit. On top of this initial expense, a $50 annual fee is required. Balance transfers are subject to a fee of either 3% or $5, and cash advances are subject to a fee of either 4% or $5. Foreign transactions have a fee of 2% on U.S. Currency or 3% on foreign currency. Late payments are charged a maximum fee of $37.
There are several APRs for transactions to keep in mind. The regular purchase and balance transfers APRs are set at 16.49%, and these rates are variable. Cash advances have a slightly higher APR of 20.99%.
While the SKYPASS Secured Credit Card lacks considerable benefits compared to every other card on this list, it is a solid deal for anyone with terrible credit. This is purely due to the fact that there are some benefits instead of absolutely none.