Bank of us

Compare Bank of us credit cards by features, rates, and fees to make an informed decision before applying.

Bank of us credit card

Bank of us Visa Credit Card

On website

Bank of us Visa Credit Card

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Annual fee

$39.00 p.a. ongoing

Highlights

  • Utilize the low-interest rate of 9.99% p.a. on purchases, cash advances, and balance transfers.
  • Pay no annual fee of $0 p.a. when you spend $8,000 every year instead of the usual $39 p.a.
  • Benefit from up to 58 days interest-free on your purchases.

Pros

  • Low ongoing interest rates.
  • The waived annual fee when you meet the spend criteria.
  • 58 days interest-free on purchases.

Cons

  • There is no sign up bonus for this card.

Bank of us offers credit cards tailored towards offering convenience paired with low interest rates and fees.

How to Apply for a Bank of Us Credit Card

Applying for a Bank of us credit card is a simple and straightforward process. Here are the general steps involved in applying.

  • Check Your Eligibility: Before applying for a Bank of us credit card — or any credit card for that matter — make sure you meet the eligibility criteria. These may include income requirements, credit history, and residency status.
  • Choose a Card: Explore the range of Bank of us credit cards, compare with others, and select the one that best aligns with your spending habits and financial goals. Consider factors such as rewards, interest rates, fees, and benefits to make an informed choice.
  • Submit Your Application: Once you have selected a card, you can easily submit your application online. You may be able to apply in the local branch if you would prefer to apply in person. Provide the required information and documentation to complete the application process.
  • Approval and activation: It can take some time for the bank to complete their checks. Once complete, you'll be notified of their decision. If approved, the physical card will arrive a few days later and must be activated before it can be used.

Help choosing a Bank of Us credit card

Receive personalized assistance in selecting the right Bank of Us credit card to match your financial needs and lifestyle preferences.

  • FAQs

What are the benefits of Bank of us credit cards?

Bank of us credit cards offer various benefits such as rewards programs, competitive interest rates, and additional perks like purchase protection and travel insurance.

How can I earn rewards with a Bank of us credit card?

You can earn rewards with a Bank of us credit card by making eligible purchases using your card. Depending on the card you have, you can earn points or cash back that can be redeemed for a variety of rewards.

Are Bank of us credit cards widely accepted?

Yes, Bank of us credit cards are widely accepted at millions of locations worldwide wherever Visa is accepted. You can use your card for shopping, dining, travel, and online purchases with ease.

What is the application process for a Bank of us credit card?

To apply for a Bank of us credit card, you need to meet the eligibility criteria, choose the right card for your needs, and submit your application online or in person by providing the required information and documentation.

How can I manage my Bank of us credit card account?

You can manage your Bank of us credit card account conveniently through online banking or the Bank of us mobile app. From checking your balance to making payments and tracking your rewards, you can easily access and manage your account anytime, anywhere.

Are there any fees associated with Bank of us credit cards?

Bank of us credit cards may have fees such as annual fees, late payment fees, and foreign transaction fees. It's important to review the fee structure of the specific card you're interested in to understand the costs involved.

Can I upgrade or downgrade my Bank of us credit card?

Depending on your financial needs and spending habits, you may be able to upgrade or downgrade your Bank of us credit card. Contact Bank of us customer service to inquire about available options and any associated terms and conditions.

What should I do if my Bank of us credit card is lost or stolen?

If your Bank of us credit card is lost or stolen, contact Bank of us customer service immediately to report the incident and request a replacement card. Monitor your account for any unauthorized transactions and follow the necessary steps to protect your finances and identity.