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Skypass Visa Signature Credit Card Offers Generous Travel Rewards

April 15, 2014 by CreditCardsCo™

The Skypass Visa Signature credit card is a card that is made for the traveler. Whether a person travels a lot or very little, the card allows them to save money on their travels and also helps save money on dining, rental cars, and with partnering retailers. The opportunities are many, the security is very tight, and the card is easy to manage.

The Skypass Visa Signature Credit Card is a card that stands out from many other travel rewards cards, as its benefits are unique and the cardholder receives a great deal of security that isn't received otherwise. Most of all, cardholders are able to use the card at reasonable rates, while gathering up miles that can be used toward travel. There is no cap on the number of miles that can be earned.

The card has a lot of purchasing power and provides exclusive benefits to its cardholders. Cardholders are able to avoid worrying about staying under a preset limit, thus the lack of an over the limit fee since there is no limit. As the card is used, cardholders earn 1 point for every dollar spent on purchases. Cardholders are also given the opportunity to earn double miles when making eligible purchases with Korean Air.

Cardholder Benefits

After the first purchase or the small annual fee is paid, bonus miles are awarded. Bonus miles are also awarded at renewal. In addition to the ability to earn miles and even double miles, cardholders can take advantage of two Korean Air VIP Lounge coupons each year. As for the miles, they can be redeemed for Korean Air upgrades and they can also be redeemed for use with SkyTeam partners to achieve maximum savings with the card.

Cardholders also receive Morning Calm Club membership. For those that like to travel, there is no foreign transaction fee, access to the Visa Signature Concierge, premium offers that can change at the discretion of the credit card issuer, and special dining privileges. U.S. bank does reserve the right to change the benefits that cardholders receive with this card. They may add or remove benefits and rates are subject to change.

Card Security

There are a number of security measures that are put in place to protect cardholders from fraud. The first is the EMV chip technology that has been added to the card, making it more usable and safer to use when traveling abroad. There is also Visa PayWave so that purchases are contactless. This means you can carry out a transaction without having to hand over the card.

The Zero Fraud Liability is also a very important service in that it can prevent cardholders from being liable for fraudulent charges. There are many security measures that are put in place to prevent fraud, but there are times when another may obtain the card or the card information for fraudulent purposes, such as in identity theft cases.

Also as a safeguard against fraud is the Fraud Protection. This is protection that monitors the card for suspicious use and flags it so that fraudulent activity is not able to continue. This saves the cardholder and U.S. Bank from the problems associated with fraudulent use.

Card Benefits

Because this is a travel friendly card, there are a number of travel benefits that are offered. The first is travel and emergency assistance in which certain restrictions may apply as per the member guide. Cardholders also have access to travel accident insurance, which covers loss of life, limb, sight, hearing, or other injuries when involved in an accident involving common carriers that you and/or your family may be traveling on. In addition, you can receive an auto rental collision damage waiver, which will save you money on purchasing the car rental company's damage waiver.

For non-English speaking cardholders, there is bilingual automated account access that is in place 24 hours per day. There are also bilingual customer service representatives available. Customer service is available at all hours of the day and you can contact them from anywhere in the world on your own time. You can also access your account online to view your account balance, available credit, make payments, and more.

Card Costs

The cost of the card is rather straightforward in that there is an APR and it varies based on creditworthiness. There is also a separate APR for balance transfers and a separate one for cash advances. The APR and applicable fees for balance transfers and cash advances are charged at the time the transaction takes place. However, you do have the opportunity to avoid paying interest on purchases if the entire balance is paid off by the due date each month. This can save money on interest.

When fees are applied to transactions, they are applied as a percentage of the transaction or a minimum dollar amount, whichever is greater. This is true for all types of cash advances, which includes convenience check cash advances, ATM transactions, cash equivalent advances, and regular cash advances. The same concept applies to balance transfers. The annual fee is a rather small one compared to most for travel rewards credit cards. This fee is paid on the same date each year and bonus miles are applied to the account approximately eight weeks after renewal.

Aside from the transaction fees, there are penalty fees. These fees include a late fee and a returned payment fee. If a payment is returned due to insufficient funds and this causes the payment to be late, then the late fee will also be applied to the account. There is no overlimit fee since there is no preset limit on the card. U.S. Bank ensures that the card cannot go over its limit.


The Skypass Visa Signature credit card by U.S. Bank is designed for those who like to travel or those who simply want to save money. With the money saving opportunities, competitive cost, worldwide acceptance, and lack of foreign transaction fees when traveling abroad, it is a card you definitely want to take along for the trip.

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