We’ve said it before, and we’ll say it again: Credit cards often get a bad rap, but the reality is that many of us need one. They help us build credit. They are helpful for practical reasons like booking a hotel room, paying for online services, or covering a large, unexpected expense. Many times, they also offer rewards benefits, cash back, and cardholder perks like fraud protection and even extended warranties.
And while we’re on the topic of things we’ve said before, but we’ll also include this one: it’s best to pay your credit card bill off every month. But we know that sometimes life happens, and that isn’t possible.
Credit cards sometimes feature introductory offers that make credit cards even more valuable. “Sometimes” happens to be right now for the new Avadian Visa Signature Card and the Avadian Visa Rewards Card.
The chart below compares some of the standard benefits of these two credit cards as well as introductory offers on bonus rewards points and balance transfers.
Take a look:
| Standard Rewards Points | APR on Balance Transfers | Fees on Balance Transfers | Interest Rate on Purchases | |
| Visa Signature Card | Earn 1.5 points per $1 spent. |
Introductory 0% APR for the first 12 billing cycles on balance transfers made within the first 30 days of opening your Visa Card. After that, a variable rate ranging from 13.90% to 21.15% APR will apply. |
On balance transfers made in the first 30 days, a fee of $5 or 3% of the balance transfer will be assessed, whichever is greater. After that, no balance transfer fees are assessed. |
Variable rate between 13.90% to 21.15% APR |
| Visa Rewards Card | Earn 1 point per $1 spent. |
Introductory 0% APR for the first 12 billing cycles on balance transfers made within the first 30 days of opening your Visa Card. After that, a fixed rate between 9.90% and 16.90% APR will apply. |
On balance transfers made in the first 30 days, a fee of $5 or 3% of the balance transfer will be assessed, whichever is greater. After that, no balance transfer fees will be assessed. |
Fixed rate between 9.90% and 16.90% APR |
The rewards points you’ll be racking up can be redeemed for:
- Monetary rewards like cash back, gift cards, and even donations to charities
- Gift card options include Target, Best Buy, Barnes & Noble, and more
- Merchandise
- Experiences like theme parks
- Travel, including flights, cruises, rental cars, and hotels
- Pay-at-the-pump fuel at participating merchant locations
Plus, you’ll also enjoy special benefits like an extended warranty program on items purchased with your Avadian Visa card; a year-end detailed spending report to help with budgeting and financial planning; and travel and emergency assistance services.
If you think one of these credit card offers will be a valuable tool in consolidating high-interest debt, racking up rewards points, or simply by charging you a lower rate than your current credit card, click here to apply today.
Subject to membership, creditworthiness, and approval.
Balance transfers from existing Avadian credit cards are not eligible for the balance transfer offer.
To qualify and receive the bonus rewards points, you must charge the qualifying amount ($3,000) or more in purchases (minus returns, credits, and adjustments) within the first 90 days from account opening, using your Avadian Visa Signature Card or Avadian Visa Rewards Card. The bonus rewards points do not apply to balance transfers, credit card checks, overdrafts, or cash advances. Your Avadian Visa Signature Card or Avadian Visa Rewards Card must be open and in good standing at the time of the bonus points fulfillment. Allow 45 days after promotional period has ended for bonus rewards points to post to your account. Additional terms and conditions may apply.
Rates, terms, and conditions are subject to change without notice. Rates accurate as of Jan.22, 2024.
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