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The Astoria Bank Platinum Edition Visa Credit Card comes with a low introductory APR on purchases and balance transfers. The card includes purchase protection and the standard auto rental insurance, travel accident insurance and extended warranty.
The 0% introductory rate is of great value if you are carrying a balance and or plan to make a large purchase, giving you time to pay it down without interest. But if you tend to make late payments or plan to carry a large balance beyond the 12-month introductory period, the variable APR on this card can increase exorbitantly, depending on your credit worthiness.
This card has no annual fee, no penalty APR, and a 12-month introductory APR and balance transfer APR. It's a great way to pay down your balance relatively worry-free.
Although this card comes with 0% introductory APR, the fees and interest rate beyond the first 12 billing cycles is quite high. There are many comparable cards that offer a lower interest rate if you credit score is good and offer a rewards program.
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.