Capital One Buy Power Card

• Respond to BuyPower Card — Rewards Credit Card from Capital One mailing offering

This card is perfect for the consumer who wants to purchase a Chevrolet, Buick, GMC or Cadillac vehicle as every dollar spent with the Buy Power Rewards Credit Card will earn points towards a new car.  Plus there is no limit on the amount of points a cardholders can earn and points will NEVER expire.  To apply online for the Buy Power Rewards Card the applicant will need to provide their email address, name, phone number (work phone number if available), home address, SSN, monthly mortgage amount, annual income, and residence type (i.e. own, rent, live with parents or grandparents)…  Please note alimony, child support, or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.  

Buy Power Rewards Credit Card Highlights

• Members will receive 5% Earnings on their first $5,000 in purchases every year (2% earnings on purchases after $5000)
• No bothersome annual fee
• Buy Power card members can expect to receive a 0% Introductory APR on purchases for the first 12 months (after that, a variable APR of 12.15%, 16.15% or 20.15% applies)
• Can be used anywhere MasterCard is accepted
• Customers who use the card at a MasterCard/Cirrus ATM will NOT be charged a fee
• Bills can be paid online electronically at no cost to the member
• Account balance, statements and activity are also available online

Customers who are more comfortable making a Capital One Buy Power Card application over the phone can do so by calling 1-800-460-2845.  Please note rewards will only be earned on purchases and not on balance Transfers, cash advances, convenience checks or credit card checks.  In most cases Capital One BuyPower cardholders are not allowed to combine the program with any other promotional offers such as Chevrolet, Buick, GMC or Cadillac employee discounts.

Primary Sources

1. www.capitalonebuypowercard.com

Associated Bank Rewards Center

• Login to an Associated Bank account to access the reward center

In order to login Associated Bank customers must have their user ID on hand.  The Associated Bank offers a variety of credit cards that are associated with the rewards center program (5 in total).  The cards are as follows: Visa Bonus Rewards Card, Visa Bonus Rewards Plus Card, Visa Platinum Card, Secured Visa Card, and the Visa Rewards College Card (which is specifically designed for college students).  Any questions about the before named cards can be directed to 800-236-8866 or a Associated Bank live chat agent.

Breaking down the credit cards offered by the Associated Bank Rewards Center

• The “Bonus Rewards Card” offers a nice little $25 cash bonus once the customer makes his/her first purchase and they will earn 1 point for every dollar spent with the card PLUS no caps or limits on the amount of points that can be earned (this card is recommended for those who like cash and comes with NO ANNUAL FEE)
• The “Bonus Rewards Plus Card” comes with a $50 cash bonus but comes with a $50 annual fee BUT cardholders will receive a 50% bonus on all points earned every month, automatically and redemptions start at 2,500 points for $25 cash back
• The “Platinum Card” offers an introductory 0.00% APR for the first 12 billing cycles on purchases PLUS no annual fee (this card is ideal for consumers seeking a low APR)
• The “College Rewards Card” will earn 1,000 bonus points after their first purchase.  The card comes with a variable APR currently 12.24% to 23.24% PLUS no annual fee
• The “Secured VISA Card” is designed for those with poor credit and is ideal for consumers who are ready to improve their credit score by making on time payments (credit lines start out at around only $300 with this card but can be increased to $5000)

Primary Sources

1. www.associatedbank.com rewards center

First National CC Apply

• Apply for a Legacy Visa Credit Card online or access account already associated with the card

The Legacy Visa Credit Card is issued by the First National Bank pursuant to a license from Visa U.S.A. Inc..  Those applicants who have receive a First National CC Apply offer via mail can accept the card with the reservation number (this number will be 12 digits long) and access code (the code will be 4 digits in length).  This number and code can be located on the Legacy Visa Credit Card acceptance form (applicants who were sent a pre approved acceptance letter should be accepted within 60 seconds or less).  During the application process the applicant will also be asked to verify the mailing address in which the First National CC Apply offer was sent to.

Legacy Visa Credit Card Highlights

• No Hidden Fees and No Penalty APR
• Offers online account management
• Fraud Coverage for Lost or Stolen Cards
• Provides text and email alerts at no charge to the consumer (for example a card holder will receive a text when its time to make a payment)
• Charges a 2% transaction fee of each cash advance
• Late and returned payment fees will run up to $25 each
• The cardholders due date is at least 25 days after the close of each billing cycle
• Comes with a $39 Annual Fee

Any questions about the Legacy Visa Credit Card can be directed to a customer service agent at 1-888-883-9824.  The First National Bank may report information about the cardholders First National Legacy Visa card account to credit bureaus to include late payments, missed payments, or other defaults.

The First National Bank is headquartered at One North Shore Center – Pittsburgh, PA, 15212 and can be reached by phone at 800.555.5455.  The bank offers technology geeks the ability to bank online with a mobile banking app that can be accessed on Google Play or the Apple Store.

Primary Sources

1. www.fnb-online.com/contact
2. www.firstnationalcc.com apply