Review of ATA Visa Platinum Credit Card

Summary - The ATA Platinum Visa from US Bank is a typical airline travel credit card. The ATA reward program is based on points (not miles). For the credit card, you earn 1 point for every $3 you spend on purchases. Though at first glance this made look like a lousy formula, it is actually not. It is a slightly better than the typical 1 mile for every dollar spent on purchases formula for other airline travel credit cards because of ATA's point system, but not as good as earning double miles. You need 6000 points to earn a roundtrip coach ticket in continental USA, which requires spending $18,000 on your credit card. For most other airline credit cards, you need to spend $25,000 to earn 25,000 points (which is the standard number of points required for a coach roundtrip ticket within continental US). The signing bonus of 3300 points is generous as it is enough to get you a companion roundtrip coach ticket within continental USA. You can also earn unlimite points with this credit card. Like most airline credit cards, there is an annual fee and the APR is high.

If you are a frequent ATA traveler, this credit card will help you earn faster points for your next free flight. The features of this credit card is typical of most other airline travel credit card.

Positives - 3300 bonus points earns you a companion roundtrip ticket within continental USA. The points system of earning 1 point for every $3 spent on purchases You can also earn unlimited points with this credit card.

Negatives - As with other airline travel credit cards, there is an annual fee and the APR is high. We do not recommend you carry a balance.

ATA Platinum Visa Credit Card Benefits

Reward Structure - The ATA Platinum Visa credit card from US Bank lets you earn 1 point for every $3 spent. You get 3300 points as a signing bonus. There is no limit on the number of points you can earn. ATA points expire in 3 years.

Credit Card Benefits - You get standard US Bank Platinum benefits like travel insurance of up to $250,000, free rentail car collision/loss damage insurance, zero liability from unauthorized purchases.

Cost and Interest rates - The annual fee is $55.00 and the APR is Prime Rate plus 9.99%.

ATA Platinum Visa Card
Miles Benefits
Sign-on Bonus 3300 bonus miles
Miles Accumulation 1 mile for every $3 spent on purchases
earn points from automatic bill payment
Anniversary Bonus none
Miles Expiration 3 years
Caps on miles no limit
Credit Limits depends on individual
Travel and Insurance Benefits
Up to $250,000 Travel Insurance
Free rental car collision/loss damage insurance
Other Benefits
Visa Zero liability - protecteded from unauthorized purchases either offline or online
Cost/Fees/Interest rates
Introductory rate none
Annual Fees $55.00
Purchase APR Prime Rate plus 9.99%
Balance Transfer APR Prime Rate plus 9.99%
Cash Advance APR Prime Rate plus 9.99% min 19.99%, max 23.99%
Penalty/Default Rate Prime Rate plu 20.99%
Min Finance Charge $2.00
Grace Period 20 days
Balance Calculation Method Average Daily Balance
Balance Transfer Fee 3% min $5.00
Convenience checks fee 3% min $5.00 max $50.00
Cash Advance fee 4% min $5.00
Other Cash Advance fee 4% min $10.00
Foreign Currency Conversion fee 2%
Over-the-credit-limit fee $35.00
Late Payment fee $35.00

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