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Issued by Pulaski Bank Categories: Regular
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Overall Rating
Benefit Rating
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The Pulaski Bank Gold Visa® Card, issued by Pulaski Bank, is designed for those with good credit who are looking for a very low cost credit card. The best feature of this credit card is the reasonably low fixed interest rate offered at 8.00% for all transactions; it offers a very low cost option to those who plan to carry a revolving balance. It is important to note that the rate for purchases and cash advances is the same, which is a rare benefit, considering that the APR for cash advances is usually significantly higher. There is also a very attractive 0% introductory rate for six months on balance transfers submitted within the first three months. In addition, there is no annual fee for the card. Aside from the reasonably low interest rate, cardholders can expect common gold benefits such as travel and emergency assistance services, as well as various purchase and protection services. However, members should not expect any extraordinary benefits or services offered by the card. Those who plan to carry a balance (due to the low interest rate offered) and do not want to pay an annual fee will benefit most from what the Pulaski Bank Gold Visa® Card has to offer.
Most Attractive Feature(s): Reasonably low APR; 0% introductory rate for six months; no annual fee.
Least Attractive Feature(s): No rewards program option.
Additional Perks
Various Internet account related services.
Auto rental insurance.
Various travel and emergency assistance services.
Emergency cash replacement.
Emergency card replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
See website for additional benefits.
Rates & Fees
- Introductory Rate: 0% APR for 6 Months
- Introductory Rate Details: The introductory rate is available on balance transfers submitted during the first three months.
- Grace Period: 25 Days
- Applied Towards: Balance Transfers
- APR (Purchases) %: 8.00
- APR (Cash Advances) %: 8.00
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $0
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $1,000
- Maximum Credit Limit: $10,000
- Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000
- Over-The-Limit Fee: $35
- Cash Advance Fee: None
- Balance Transfer Fee: None
- Important Notations: See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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- Get Your Application Results in Seconds
- Monthly Reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| 19.92 |
19.92 |
$50 |
No Introductory Rate Available |
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