Issued for those with good credit, the Bank One Flex Rewards Visa® card is a credit card that offers the benefits and convenience of credit card spending combined with a flexible rewards program. The rewards program works by offering one points per dollar spent on the credit card, with a one thousand point bonus available after the first purchase. Points can be redeemed against a range of rewards, including cash, travel, and merchandise.
This credit card offers a 0% interest rate for an introductory period of twelve months. There is an annual fee of $59 charged on the card for the flexible rewards program, and there is also a twenty day grace period. The standard APR charged on the card is 11.49 percent, and there is a cash advance interest rate of 21.49 percent variable. Balance transfer transaction charges stand at three percent or five dollars, with a maximum per transaction fee of $65.00. Cash advances are charged at three percent or a minimum of ten dollars.
Other fees charged on this credit card include late repayment fees of up to $39 dependant on the credit card balance. Over the limit charges are $35 on platinum cards and none for signature cards. There are also other benefits available with the Bank One Flex Rewards Visa®, and these include: protection against unauthorized purchases, 24-hour concierge service, purchase protection, travel & emergency assistance, travel accident insurance, car rental insurance, emergency cash and card replacement, roadside assistance, and lost luggage insurance.
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