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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 Visa® / MasterCard®, issued by Pulaski Bank, is designed for those with an average credit history who are looking for a very low cost credit card. The best feature of this credit card is the very low fixed interest rate of 6.50% (for purchases and cash advances); it provides a very low cost option to those who plan to carry a revolving balance. There is also a very attractive introductory rate for six months on balance transfers. In addition, the annual fee of $35 is very reasonable for such a low interest rate credit card. However, aside from the very low interest rate for all transactions, cardholders 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), do not mind paying an annual fee of $35, and do not care for any extraordinary benefits or services will benefit most from what the Pulaski Bank Visa® / MasterCard® has to offer.
Most Attractive Feature(s): Very low APR; 0% introductory rate for six months on balance transfers.
Least Attractive Feature(s): Annual fee.
Additional Perks
Various Internet account related 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) %: 6.50
- APR (Cash Advances) %: 6.50
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $35
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $1,000
- Maximum Credit Limit: $15,000
- 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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- No Annual Fee for the First Year - $125 Thereafter
- Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
- No Pre-Set Spending Limit
- The Membership Rewards Program® - Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
- Gold Card Events - Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Global Assist® Plus Hotline and Many More Benefits Included
- Express Approval. Get a Decision in Less than 60 Seconds
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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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