Review of Audi Visa Signature Credit Card

The Audi Visa Signature was last reviewed on : 7th December 2004

Summary - The Audi Visa Signature credit card from Bank One has a standard reward point formula. It lets you earn 2 points for every dollar spent on purchases at Audi dealers and 1 point for every dollar spent on other purchases. There are no caps on the points you can earn, but they expire in 5 years. There is no annual fees and the APR is moderately low. You also get an introductory 0% APR for both purchases and balance transfer though you still have to pay a balance transfer fee during the introductory period.

If you are an Audi car enthusiast and would like to earn and redeem points with Audi purchases, then the Audi Visa Signature credit card would suit you. Furthermore, there is no annual fee and the APR is moderately low. If you do occasioanally carry a larger balance, then you may face a slightly higher finance charges as this Bank One credit card uses the 2-cycle average daily balance method to compute balances rather than the more common average daily balance method.

Positives

* No annual fees
* Moderately low APR.

Negatives

* Uses a 2-cycle average daily balance method for computing balances and finance charges.

Audi Visa Signature Credit Card Benefits

Reward Structure - The Audi Visa Signature credit card from Bank One lets you earn 2 points for every dollar spent at Audi authorized dealers or at the Audi collection. You will earn 1 point for every dollar spent on other purhcase. There is no caps on points you can earn and they expire in 5 years.

Credit Card Benefits - You will get standard Bank One Visa Signature benefits like travel insurance of up to $1,000,000, up to $3000 in lost luggage insurance, auto rental insurance, airport parking guarantee, roadside dispatch, warranty manager, zero liability on unauthorized purchases, year-end account summary and no-preset spending limits.

Cost and Interest rates - The is no anual fee for the Audi Visa Signature. The APR is a moderately low at Prime Rate plus 6.99% and just makes it into our low interest credit card directory. There is an introductory 0% APR for both purchases and balance transfers. However, you are charged a balance transfer fee even during the introductory period.




Audi Visa Signature Card
Reward Benefits
Point Accumulation 2 points for every $1 on Audi purhases
1 point for every $1 spent on other purchases
Points Expiration 5 Years
Caps on Points No Caps
Credit Limits depends on individual
Travel and Insurance Benefits
Up to $1,000,000 Travel Insurance
Up to $3,000 lost luggage insurance
Auto rental insurance
Airport parking guarantee
Roadside dispatch
Other Benefits
Warranty Manager
Zero liability on unauthorized purchases
Dining privileges>
Year-end account summary
no-preset spending limit
Cost/Fees/Interest rates
Introductory rate 0% APR for first 6 billing cycles
Annual Fees none
Purchase APR Prime Rate plus 6.99%
Balance Transfer APR Prime Rate plus 6.99%
Cash Advance APR Prime Rate plus 15.99%
Penalty/Default Rate Prime Rate plu 20.99%
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method 2-cycle Average Daily Balance
Balance Transfer Fee 3% min $5.00 max $50.00
Convenience checks fee 3% min $5.00 max $50.00
Cash Advance fee 3% min $10.00
Other Cash Advance fee 3% min $15.00
Foreign Currency Conversion fee 2%
Over-the-credit-limit fee none for Signature cardholders
$35.00 for Platinum cardholders
Late Payment fee $15.00 - less than $250
$35.00 - more than $250.00






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