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US Airways® Visa® Signature

• 25,000 Bonus Miles after you make your first purchase
• Annual $99 companion certificate good for two guests
• 1 mile for each dollar spent on net retail purchases
• Double miles on US Airways purchases
• Preferred check-in and preferred boarding
• Card issued by FIA Card Services, N.A.

Just The Facts –

Issuer :  FIA Card Services, N.A. (Bank of America)

APR :   0% Introductory APR on purchases and cash advance checks for your first 6 billing cycles

Introductory Period : 6 months

APR After Introductory Period : Prime rate plus 9.99%

Cash Advance Rate : 24.24%%

Annual Fee : $90

Credit Line Possible : The minimum credit line offered is $500 and the maximum is $25,000.

Insurance included :  US Airways Visa Signature Credit Card includes extended car rental and warranty coverage on services and purchases for up to a year.

Financing Configuration – Interest is calculated on your average daily balance (including new purchases).

Grace Period – You have twenty days after making a purchase during which you do not have to pay interest.

The Best Thing About It – You earn 2 miles for every dollar spent on tickets purchased directly from US airways up to 100,000 miles per calendar year and get an annual discount on a companion ticket.

The Worst Thing About It – The US Airways Visa Signature Credit Card a high annual fee.

Credit Rating Needed For Acceptance :  Good.

Who Is It For?

The US Airways Visa Signature Credit Card is best suited for those who travel frequently on US Airways Visa Signature Credit Card and who would like to get discounts on companion tickets and like to earn double points fast (two points for every dollar.) It is best for those who can pay a credit card bill in full each month.

 

The Benefits

You are gifted with 25,000 free points on your first purchase. Points can be redeemed for travel, theme park admissions, and certificates to major hotel chains, brand-name merchandise, and more.

You get double miles when you use the card for U.S. Airways.  One dollar equals two points when you use the card on U.S. Airways.

You get $99 off of a companion ticket. Annually you will receives a $99 companion certificate good for two guests

You get restaurant deals for points. You are sent offers where eating at selected restaurants will earn you as many as eleven miles per dollar sent.

US Airways Visa Signature Credit Card comes with the Bank of America’s Purchase Replacement program. This feature provides for repair or replacement for covered purchases that are stolen, damaged or lost at a known location, within 90 days of the date of purchase.

Us Airways Visa Privilege cardholders come first with the airline company. You have preferred seating and preferred boarding.

US Airways Visa Signature Credit Card comes with the Bank of America’s Purchase Guard. This feature may double the manufacturer’s original U.S. warranty period for covered purchases with warranty duration of 1 year or less.

Cash advance checks are issued at no extra charge. This allows you to get a cash advance without paying an ATM fee.

Zero Liability.  If you claim someone has stolen your card then you do not have to be liable for the usual $50 that is typically deducted as fraud liability.

No Over The Limit Fee:  There is no over the limit fee for using the US Airways Visa Signature Credit Card if you exceed it.

 

The Drawbacks

 

The points have an annual cap. There is a limit of 100,000 points that can be accumulated on this card each year.

This card has a short grace period.  Many credit cards don’t begin to garner interest on purchases until thirty days after purchase. US Airways Visa Signature Credit Card only gives you twenty days.

All payments you make will be applied to lower rate balances first. This makes it easy to get into debt.

US Airways Visa Signature Credit Card introductory rate can be cancelled at the discretion of the Bank of America. You will lose your introductory rate if you exceed your credit limit or are late with a payment or if there is a negative comment on your credit report.

 

Fees To Watch Out For

Late payment fee:  $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250

Cash advance Fee: 3%, $10 minimum; 4%, $10 minimum, $90 maximum for cash advance checks

Balance Transfers: No fees on introductory balance transfers; 4%, $10 minimum, $90 maximum after the introductory period

To Summarize –

The interest rate for purchases and balance transfers on the US Airways Visa Signature Credit Card is above average for a reward card and not ideal for those who plan to carry a balance. There is a low introductory rate that applies to purchases, balance transfers, and cash advance checks for the first six billing cycles, but the annual fee is higher than usual for an airline reward card.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months	P + 9.99%	$90	Yes	Good Credit