The Bank of us Visa Credit Card is a no-frills credit card that you can use at more than 24 million outlets worldwide. This card offers up to 58 interest-free days on purchases during each statement period when you pay your balance in full. You can link this card with up to 2 other Bank of us accounts and minimise the number of cards you carry. Bank of us offers modest benefits with this card — find out more about them below.
Bank of us Visa Credit Card
Terms and conditions apply
- Balance transfer rate with no balance transfer fee
- 9.99% p.a.
- Purchase rate
- 9.99% p.a.
- Annual fee
- $39 p.a.
- Interest-free on purchases
- Up to 58 days
Our verdict
Get up to 57 days interest-free on purchases and a low variable interest rate.
Pros
-
Low interest rate of 9.99% p.a. on purchases, balance transfers and cash advances
-
$39 annual fee will be waived when you spend $8,000 per year
-
Up to 58 days interest-free on purchases
Cons
-
Charges $20 on late payment fees
Details
Product details
| Product Name | Bank of us Visa Credit Card |
| Balance transfer rate p.a. | 9.99% |
| Purchase rate p.a. | Purchase rate p.a. 9.99% |
| Interest-free period | Up to 58 days on purchases |
| Cash advance rate p.a. | 9.99% |
| Min credit limit | $500 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $39 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $20 |
| Foreign currency conversion fee | Foreign currency conversion fee 2.5% |
| Cash advance fee | 5% |
| Overseas ATM withdrawal fee | $5 |
| Number of additional cardholders | 2 |
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Amy Finder
Editor
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Sarah Megginson Finder
July 17, 2024
Hi Brodie,
Both Visas and Mastercards are widely accepted around the world, so that’s a good place to start. The currency conversion fee on this card is 2.5%; you may want to look at a card that has no foreign transaction fees, like the options on this page.
Best of luck!
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Peter
July 23, 2015
I have a B and E debit Visa card what are the overseas transaction fees if I withdraw cash from an ATM in Thailand?
Jonathan Finder
July 23, 2015
Hi Peter, thanks for your inquiry!
The overseas ATM withdrawal fee is $5.
Cheers,
Jonathan
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Brodie
May 24, 2024
Im looking at credit cards as’ an emergency back up incase in need of funds’ for my 19 year old son who is about to travel overseas for the first time to the UK alone for about 3 months. would this be the right sort of credit card to have on hand/