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Calculating Rewards & Finance Charges

DISTANCIA Visa from US Bank
US Bank DISTANCIA Visa Credit Card

Net Annual Rewards
$269
of Taca Airline Miles
Reward Rate
1.00%
Annual Fee
$0 the first year, then $45
Signing Promo
15,000 Taca Airline Miles Bonus
APR, variable
Min Apr:
12.99%
Max Apr:
19.99%
Cash Adv:
23.99%
Intro APR Promotions
Purchase:
None
Transfer:
None
Reward Summary
  • Earn 1 mile per $1 spent on purchases
  • 3,000 bonus miles per year upon renewal
  • 25% excess baggage discount

Rewards Type: Taca Airline Miles

Signing Promotion
($150=15,000 miles)/2 yrs
$75
Estimated Annual Rewards
$216
Annual Fee, 2 yr avg
$23

Annual Rewards (Rewards less Fees)
$269

Finance Charge Calculator

Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*
Balance Transfer Fee, 3.0%
$300
APR, 24 months
$3,037

Total
$3,337

*Effective Annual Rate for Balance Transfers of 15.5% includes transfer fees and APR promotions. See our breakdown of EARs vs APRs.
Effective Annual Rate, Purchases
Promo EAR, months
0.00%
Ongoing EAR, 24 months
13.79%

Total EAR, 24 months
13.79%

APR Rankings

APR
12.99%
ranks #141 out of 459 cards.
Average is 13.26%.
Balance Transfer Fee
3%
ranks #43 out of 418 cards.
Average is 3.26%.
Cash Advance APR
23.99%
ranks #205 out of 445 cards.
Average is 22.36%.

Rewards Rankings

Annual Fee
$45
ranks #394 out of 493 cards.
Average is $24.
Base Reward Rate
1%
ranks #40 out of 383 cards.
Average is 0.98%.
Effective Reward Rate
1%
ranks #92 out of 383 cards.
Average is 1.06%.
Sign-up Bonus
$150
ranks #42 out of 475 cards.
Average is $84.
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*Disclaimer: We make best efforts to keep card offer information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify card information during the application process.