Valley State Bank Classic Visa Card

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Valley State Bank Classic Visa Card

0.00
5.9

Annual Fee

10.0/10

Promotions

4.0/10

Services

4.0/10

Travel

4.5/10

Insurance

5.0/10

Rewards

1.5/10

Security

9.0/10

APR (Interest Rate)

7.0/10

Customer Support

8.0/10

Pros

  • Low APR for purchases and balance transfers.
  • There is no balance transfers fee.
  • 2% cash advance fee is good enough.
  • Cash Advance APR is good.

Cons

  • No promotions, good travelling options and insurances.
  • 2% more payment at foreign transactions.
  • No rewards.

Review

Valley State Bank Classic Visa Card is a low interest credit card with some good APR options. The APR of the card is 13.67% for purchases and balance transfers. There is no %18 cash advance APR which is not bad at all. You will not need to pay for balance transfers with this card. There is not any balance transfer fees. 2% cash advance and foreign transaction fee is not very high. Actually this is very good rate for cash advances.

Like Platinum Card of the same company, this card’s main problem is rewards and bonuses. There are not any bonuses and rewards in the card which will attract to consumers. (The only difference between platinum and classic cards is 2.5% APR)

You can see rates of Valley State Bank Classic Visa Card below. You can also read user reviews and editor scores.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
13.67% Not Available None 2% $25 2% 18.00% None 13.67%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card CCC Editor Score Overall Score Total Cards
General 205 200 100
Low Interest 148 173 24
No Annual 147 166 60
Balance Transfer 235 226 50

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