Review of National City Bank Diamond Edition Elite Visa


The National City Bank Diamond Edition Elite Visa was last reviewed on : 13th March 2005

Summary - The National City Bank Daimond Edition Elite Visa is a fixed rate visa credit card. There is no annual fee. There are three fixed rate aprs - 9.90%, 11.90% and 13.90%. The rate that you get will depend on the bank's assessment of your credit rating. You will also get a 0% introductory apr for 6 billing cycles (from date of account opening) for both purchases and balance transfers. There is no balance transfer fee during the introductory period.

In addition, you will also get travel accident insurance, auto rental insurance, travel and emergency assistance as part of the credit card benefits. Another benefit that National City Bank offers on their credit cards is the ability for you to choose your payment date during a month. You can synchronize your payment with your other credit cards. You can also get additional cards with no additional fee.

The National City Bank Diamond Edition Elite is also a charity card. For every purchase you make, National City will donate a small amount to the National Breast Cancer Foundation. For the first use of your card, National City will donate $5.00.

The National City Bank Diamond Edition Elite Visa will appeal to those looking for a low apr credit card and also to those who want to contribute to the National Breast Cancer Foundation.

Positives
  • No annual fee
  • Low apr
  • Can choose your monthly payment date


Negatives
  • No rewards


National City Bank Diamond Edition Elite Visa
Travel and Insurance Benefits
$250,000 travel accident insurance
Auto rental insurance
Travel and emergency accident
Roadside dispatch
Other Benefits
Purchase security
Warranty Manager
Choice of payment due date
Cost/Fees/Interest rates
Introductory rate 0% introductory apr for 6 billing cylces (purchases and balance transfers)
Annual Fees No annual fee
Purchase APR Fixed rate - 9.90%, 11.90% or 13.90%
Balance Transfer APR Fixed rate - 9.90%, 11.90% or 13.90%
Cash Advance APR Fixed rate - 9.90%, 11.90% or 13.90%
Penalty/Default Rate APR Prime Rate plus 23.9%
Min Finance Charge $1.50
Grace Period 20 days
Balance Calculation Method Average Daily Balance (including new purchases)
Balance Transfer Fee 3%, min $10.00 (no balance transfer fee during introductory period)
Cash Advance fee 3% of cash amount
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - up to and including $150
$25 - $150.01 to $1000
$35.00 - $1000 and greater



Go to the low interest credit card directory for more low apr credit cards

If you already have this credit card, and want to comment on it, you can post your review

 RSS
RSS Feed For This News

 

Credit Card Reviews and Tips News Home | Archives | Articles | Links | About