Associated Bank Credit Card: An Overview

Associated Bank offers a variety of credit cards that cater to various needs of their customers. The Associated Bank credit card is designed to provide you with convenience and flexibility when it comes to making payments, managing expenses and earning rewards. In this article, we will take a closer look at the different types of Associated Bank credit cards, their features, benefits, fees and eligibility requirements.

Associated Bank Credit Card: An Overview

Types of Associated Bank Credit Cards

Associated Bank offers three types of credit cards namely:

  1. Associated Bank Visa® Platinum Credit Card
  2. Associated Bank Cash Rewards American Express® Card
  3. Associated Bank Real Rewards Visa® Credit Card

1. Associated Bank Visa® Platinum Credit Card

The Associated Bank Visa® Platinum Credit Card is ideal for those who want a simple and straightforward way to make purchases without any reward points or cashback benefits. Some features of this card include:

  • Low introductory APR on purchases and balance transfers
  • No annual fee
  • Secure online shopping experience with Verified by Visa
  • Fraud monitoring and zero liability protection for unauthorized purchases

2. Associated Bank Cash Rewards American Express® Card

The Associated Bank Cash Rewards American Express® Card provides cash back rewards on eligible purchases which can be redeemed in multiple ways such as statement credits, gift cards or merchandise. Some features of this card include:

  • Earn 3% cash back on gas purchases
  • Earn 2% cash back at supermarkets and 1% cash back on all other eligible net purchases
  • $25 cash back after your first purchase within the first three months
  • No annual fee

3. Associated Bank Real Rewards Visa® Credit Card

The Associated Bank Real Rewards Visa® Credit Card earns points for every dollar spent which can be redeemed for travel, merchandise, gift cards or even cashback. Some features of this card include:

  • Earn 1.5 points per $1 spent on all eligible net purchases
  • No cap on the number of points you can earn and your points do not expire
  • 2,500 bonus rewards points after your first purchase within the first three months
  • No annual fee

Benefits of Associated Bank Credit Cards

Some benefits of using an Associated Bank credit card include:

  1. Reward Programs: Cardholders can earn cashback or reward points for every eligible net purchase made on their card which they can use to redeem for a variety of options such as statement credits, gift cards, merchandise or travel.

  2. Fraud Protection: Associated Bank’s credit cards come with fraud monitoring and zero liability protection which means you are not responsible for unauthorized transactions made with your card.

  3. Secure Online Shopping Experience: Associated Bank uses Verified by Visa which provides additional security to your online transactions by verifying your identity before allowing the payment to go through.

  4. Low Interest Rates: The introductory APRs are generally low and balance transfer charges are minimal making it easier to manage debt if needed.

  5. No Annual Fee: Two out of three types of Associated Bank credit cards do not charge any annual fee, which helps in reducing overall expenses.

Fees & Charges Associated With an Associated Bank Credit Card

Here are some fees & charges associated with an Associated Bank credit card:

  1. Interest Rate: The interest rates vary based on the type of card you choose and your creditworthiness, but they tend to be competitive compared to other banks.

  2. Balance Transfer Fee: If you transfer a balance from another credit card onto an Associated Bank credit card, there will be a fee charged which is either a percentage of the amount transferred or a flat rate as per the terms and conditions mentioned in the offer letter.

  3. Cash Advance Fee: When you use your credit card for a cash advance at an ATM or over-the-counter transaction, there is usually a fee charged that varies based on the amount withdrawn.

  4. Late Payment Fee: If you don’t pay your bill on time, there is usually a late payment fee charged which varies based on your credit card agreement.

  5. Foreign Transaction Fee: When you use your Associated Bank credit card to make purchases outside of the United States, a foreign transaction fee may be charged which typically ranges between 1-3% of the overall amount spent.

Eligibility Requirements for an Associated Bank Credit Card

To apply for an Associated Bank credit card, you must meet certain eligibility criteria including:

  1. Age Requirement: You must be at least 18 years old to apply for a credit card in most states.

  2. Income Requirement: You should have a stable source of income that can help you meet the minimum monthly payments required by the card issuer.

  3. Credit Score: Your credit score is an important factor in determining whether or not you are eligible for an Associated Bank credit card and what interest rate you will be charged if approved.

  4. Citizenship Status: You must be either a US citizen or resident alien to apply for an Associated Bank credit card.

How to Apply for an Associated Bank Credit Card?

You can apply for an Associated Bank credit card online or by visiting any of their branches across multiple states such as Illinois, Minnesota, Wisconsin etc. To apply online, visit their official website and follow these steps:

  1. Choose the type of credit card that suits your needs.
  2. Fill out the application form with accurate personal information like name, address, phone number etc.
  3. Provide details about your income source and monthly expenses.
  4. Submit the application along with any other documents required such as employment verification or tax returns.
  5. Await approval status from Associated Bank’s underwriting department.

Conclusion

Associated Bank offers three types of credit cards that cater to various needs of their customers depending upon their spending habits and preferences – Visa® Platinum Credit Card, Cash Rewards American Express® Card, and Real Rewards Visa® Credit Card. Each type of card has its own features, benefits, fees and eligibility requirements that you should consider before applying. With the right credit card in hand, you can enjoy the convenience of making purchases, managing expenses and earning rewards with ease.

FAQs

What is an Associated Bank Credit Card?

An Associated Bank Credit Card is a type of credit card that is issued by Associated Bank to its customers. It can be used for purchases and cash advances at millions of locations worldwide.

What kind of benefits can I get from an Associated Bank Credit Card?

With an Associated Bank Credit Card, you can enjoy various benefits such as rewards points, cash back, fraud protection, and travel insurance, among others.

How do I apply for an Associated Bank Credit Card?

You can apply for an Associated Bank Credit Card online or by visiting a physical branch. You will need to provide personal and financial information during the application process.

Does the Associated Bank Credit Card have an annual fee?

The annual fee for the Associated Bank Credit Card varies depending on the type of card and your creditworthiness. Some cards may have no annual fees while others may come with a fee.

What credit score is required to get approved for an Associated Bank Credit Card?

The minimum credit score required for approval of an Associated Bank Credit Card varies depending on the type of card you are applying for. Generally, a good or excellent credit score is necessary to qualify.

How long does it take for my Associated Bank Credit Card application to be processed?

The processing time for an Associated Bank Credit Card application typically takes 7-10 business days. However, it may take longer if additional information is needed or if there are any issues with your application.

Can I use my Associated Bank Credit Card outside the United States?

Yes, you can use your Associated Bank Credit Card outside the United States wherever Mastercard is accepted. However, keep in mind that foreign transaction fees may apply.

Is there a limit on how much I can spend with my Associated Bank Credit Card?

Yes, there is a credit limit on your Associated Bank Credit Card which is determined based on your creditworthiness and other factors.

How do I make payments on my Associated Bank Credit Card?

You can make payments on your Associated Bank Credit Card online, by phone, or at a physical branch. You can also set up automatic payments to ensure that you never miss a payment due date.

What should I do if my Associated Bank Credit Card is lost or stolen?

If your Associated Bank Credit Card is lost or stolen, you should call the bank immediately to report it. The bank will then issue a new card and cancel the old one to prevent any unauthorized charges.

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