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A credit card that makes sense for your life right now. Earn rewards for just about everything!Apply Now
- Earn 1.5X rewards on travel, restaurants, and bars. Additionally, earn 1 point for each $1 spent on qualifying purchases*
- Rates as low as 10.00% APR1
- Credit limits up to $25,000
- No annual fee2
- Travel and Emergency Assistance, and more3
Membership is required.
*Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click here.
**10,000 Bonus Points Offer valid till December 31, 2021. To qualify and receive your bonus, you must make Purchases totaling $1,500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
Qualified Platinum Rewards accounts earn an additional 0.5 bonus point per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Restaurant/Bars. Bonus points are in addition to daily reward points of 1 point per $1. A qualified account must be open and in good standing at the time earned bonus points are credited. Qualified Restaurant/Bars purchases include restaurants, food delivery services, and bars. Excludes fast food. Spending cap of $7500 per quarter for bonus rewards. Qualified Elite accounts earn 1 point per $1 after $7500 is spent in qualified categories.
SkyOne is not responsible for merchant codes that do not allow us to capture the information needed to award bonus points. Visa determines the industry category and code for merchants, generally based on the merchant’s line of business. A purchase will not earn promotional points if the merchant’s category code is not an eligible category for the promotion. Some transactions do not qualify for points, including balance transfers, cash advances, fees including annual fee, and purchases made using certain types of wireless technology.
1APR=Annual Percentage Rate. Published Platinum Rewards Visa rates, terms, and conditions effective as of 09-01-2020 and are subject to change at any time. This information may have changed after that date. To find out what may have changed, call us at 800.421.7111. Rates, terms, and loan amounts are based your creditworthiness; all loans are subject to credit approval. The lowest APR offered above is the lowest rate possible for qualified borrowers and is subject to change without notice. Rate offered will not be lower than 10.00% APR, inclusive of any applicable rate discounts. Verification of income may be required. SkyOne reserves the right to terminate this offer at any time.
2Transaction 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.
3Certain restrictions, limitations, and exclusions apply. For complete Visa Benefits details, click here.
Visa® is a registered trademark of VISA U.S.A. Inc.