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American State Bank & Trust Visa Gold Credit Card (North Dakota)

American State Bank & Trust Visa Gold Credit Card (North Dakota)

 

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  • Credit Needed Good to Fair
  • APR 9.9% Fixed
  • Intro APR 3.9% for the first 6 months
  • Balance Transfer Intro APR Not Offered
  • Penalty APR None
  • Annual Fee None
  • Late Payment Fee N/A
  • Cash Advance Fee N/A
  • Returned Payment Fee N/A
  • Foreign Exchange Fee N/A
  • Rewards Details None
  • Signup Bonus Balance Transfer Incentive: $1.00 credit for every $100 transferred (max amount $25)

Highlights

  • Click "APPLY NOW" to apply online
  • Minimum Credit Line of $3000
  • Introductory APR 3.9%
  • Balance Transfer Incentive
  • Free added benefits include: Travel and Emergency Assistance Auto Rental Insurance Warranty Manager Service Travel Accident Insurance
  • Travel and Emergency Assistance
  • Auto Rental Insurance
  • Warranty Manager Service
  • Travel Accident Insurance

Expert Reviews

From the CompareCards.com Editorial Team

The American State Bank & Trust Visa Gold credit card features a fixed low interest rate and a 3.9% introductory APR for the first 6 months. Though the card is not linked to a rewards program, account holders can get money credited to their credit cards when they transfer balances, earning $1 for every $100 transferred up to a $25 maximum limit. 

Expert Reviews of the American State Bank & Trust Visa Gold Credit Card (North Dakota)

  • 5.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 2.0

    Benefits

  • star rating 3.5/5

    Overall Rating

The Bottom Line

American State Bank & Trust has adopted a policy of not charging penalty interest rates, so if you are consumer looking for a low interest rate card that will help you to build credit, this card is a great option.  The Visa Gold has a low introductory APR and the advantage of earning money for transferring a balance this card; however, if you already have good credit and are looking to take advantage of a rewards program this card is not for you.

The Good

With the Balance Transfer Incentive, you earn $1 per $100 transferred (maximum limit $25).  There is no annual fee, a low introductory APR for six months, no penalty interest rate, and the free added benefits of auto rental insurance, travel accident insurance, and travel and emergency assistance.

The Not So Good

There are no added perks or reward programs linked to this card.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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