Three cards to transfer balances to, see which fits you best
Annual Fee
$0
Decrease Rate Bonus
Lower purchase rate by 0.25% each three months*
Credit Limits Up To
$10,000
Foreign Transaction Fee
0.8% of Single Currency Transaction, 1.00% of Multiple Currency Transactions
Balance Transfer Fee
3%
Cash Advance Fee
3%
Additional Benefits
Price Protection
Purchase Security/Ext. Protection
Roadside Dispatch
Annual Fee
$0
Bonus Rewards
1.5X rewards in two categories, 1X in everything else**
Credit Limits Up To
$25,000
Foreign Transaction Fee
0.8% of Single Currency Transaction, 1.00% of Multiple Currency Transactions
Balance Transfer Fee
3%
Cash Advance Fee
3%
Additional Benefits
Price Protection
Purchase Security/Ext. Protection
Roadside Dispatch
Lost Luggage
Travel Emergency and Assistance
Travel Accident Insurance
Auto Rental Collision Damage Waiver
Annual Fee
$65
Bonus Rewards
3X rewards in two categories, 2X rewards in two categories, 1X in everything else***
Credit Limits Up To
$50,000
Foreign Transaction Fee
0%
Balance Transfer Fee
3%
Cash Advance Fee
3%
Additional Benefits
Price Protection
Purchase Security/Ext. Protection
Roadside Dispatch
Lost Luggage
Travel Emergency and Assistance
Travel Accident Insurance
Auto Rental Collision Damage Waiver
Trip Cancellation/Trip Interruption
Return Protection
Cell Phone Protection
*Decrease Rate — when paid on time each month during the previous three months and have $300 point of sale purchases for previous three months: 7% floor as rate freezes at 7%
**Member will be able to update reward categories at the beginning of each quarter. Choices will lock in for that quarter for what’s chosen and can’t be updated – default choices are applied for each quarter; $7500 spending cap per quarter on 1.5X rewards
***Member will be able to update reward categories at the beginning of each quarter. Choices will lock in for that quarter for what’s chosen and can’t be updated – default choices are applied for each quarter; $7500 spending cap per quarter on 2X and 3X rewards combined
1Qualifications for the 0% balance transfer for 12 months is the transfers must be completed within 30 days of account opening. Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Foreign Transaction Fee: When using your SkyOne Visa® credit card or debit card outside the U.S., there is an International Service Assessment (ISA) fee for each transaction. Single Currency Transaction (your transaction is done in US Dollars) – 0.8% of the transaction. Multiple Currency Transaction (your transaction requires conversion from the local currency into US Dollars) – 1.0% of the transaction. Whether your transaction is a single or multiple currency transactions depends on the country, the merchant, and how the merchant processes the transaction.
