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  Issuer: Bank of Smithtown
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The credit cards in our Low Rate category feature an APR below 10%. Generally, cards with a rate below 10% require an above average credit score.
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Rates & Fees

Purchase APR: As Low As 9.99% Annual Fee: $0.00
Introductory APR: 0.00% (Fixed) Intro Period: 9 Months
Transfer APR: As Low As 9.99% Transfer Fee: 3.00%, $10.00 minimum
Transfer Intro APR: 0.00% (Fixed) Transfer Intro Period: 9 Months
Cash Advance APR: As Low As 19.00% Grace Period: 20 Days
Cash Advance Fee: 3.00%, $15.00 minimum Late Payment Fee: $35.00
Over Limit Fee: $39.00 Returned Check Fee: *
Foreign Conversion Rate: N/A Default/Penalty APR: As Low As 27.24%

Offer Details

  • Paperless Statements - no more paper or mailbox clutter.
  • Personalize your credit card with your favorite image.**
  • FirstGuard® provides protection against identity theft.
  • Purchase Protection‡ protects nearly everything you buy with your Platinum Edition® Visa Card against theft, accidental damage and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers' original U.S. warranties on items you purchase with your Platinum Edition® Visa Card — for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services that will allow you to rapidly receive help while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance‡ — at no extra cost to you. Simply charge the entire amount of your travel tickets to your Platinum Edition® Visa Card.
  • Up to a 25% discount at select car rental agencies.‡
As of 4/09
Bank of Smithtown Platinum Edition Visa [more details]
Credit Card Offer for Bank of Smithtown Platinum Edition Visa
0.00%
(Fixed)
9 Months As Low As 9.99% $0.00 Apply Now!

Rates & Fees

Purchase APR: As Low As 13.99% Annual Fee: $0.00
Introductory APR: 0.00% (Fixed) Intro Period: 6 Months
Transfer APR: As Low As 13.99% Transfer Fee: 3.00%, $10.00 minimum
Transfer Intro APR: 0.00% (Fixed) Transfer Intro Period: 6 Months
Cash Advance APR: As Low As 19.99% Grace Period: 20 Days
Cash Advance Fee: 3.00%, $15.00 minimum Late Payment Fee: *
Over Limit Fee: $39.00 Returned Check Fee: *
Foreign Conversion Rate: N/A Default/Penalty APR: As Low As 27.24%

Offer Details

  • $10 reward check† upon approval.
  • $10 reward check† when you make your first qualifying purchase.
  • Earn 1 reward point for every $1 in qualifying purchases.
  • $25 reward check or rebate to your checking, savings or credit card account† for every $2,500 in qualifying purchases on the card.
  • Paperless Statements - no more paper or mailbox clutter.
  • FirstGuard® provides protection against identity theft.
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
  • Purchase Protection protects nearly everything you buy with your BucksBack® Visa Card against theft, accidental damage and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers' original U.S. warranties on items you purchase with your BucksBack® Visa Card - for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services that will allow you to rapidly receive help while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance - at no extra cost to you. Simply charge the entire amount of your travel tickets to your BucksBack® Visa Card.
  • Up to a 25% discount at select car rental agencies.

Rewards

Reward Type: Points/Cash Back
As of 4/09
Bank of Smithtown BucksBack Platinum Edition Visa [more details]
Credit Card Offer for Bank of Smithtown BucksBack Platinum Edition Visa
0.00%
(Fixed)
6 Months As Low As 13.99% $0.00 Apply Now!

Rates & Fees

Purchase APR: As Low As 13.99% Annual Fee: $0.00
Introductory APR: 0.00% (Fixed) Intro Period: 6 Months
Transfer APR: As Low As 13.99% Transfer Fee: *
Transfer Intro APR: 0.00% (Fixed) Transfer Intro Period: 6 Months
Cash Advance APR: As Low As 19.99% Grace Period: 20 Days
Cash Advance Fee: 3.00%, $15.00 minimum Late Payment Fee: $35.00
Over Limit Fee: $39.00 Returned Check Fee: *
Foreign Conversion Rate: N/A Default/Penalty APR: As Low As 27.24%

Offer Details

  • Personalize your credit card with your favorite image.**
  • FirstGuard® provides protection against identity theft.
  • Paperless Statements - no more paper or mailbox clutter.
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
  • Purchase Protection‡ protects nearly everything you buy with your Maximum Rewards® Visa Card against theft, accidental damage and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers' original U.S. warranties on items you purchase with your Maximum Rewards® Visa Card — for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services that will allow you to rapidly receive help while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance‡ — at no extra cost to you. Simply charge the entire amount of your travel tickets to your Maximum Rewards® Visa Card.
  • Up to a 25% discount at select car rental agencies.‡

Rewards

Reward Type: Points/Cash Back
Reward Info:
  • Receive 1 reward point for every $1 in qualifying purchases† with the freedom of no annual fee.
  • Earn 1,000 bonus points upon first usage within the first three billing cycles after your account is opened.†
  • No annual point cap and generous five year point expiration.
As of 4/09
Bank of Smithtown Maximum Rewards Platinum Edition Visa [more details]
Credit Card Offer for Bank of Smithtown Maximum Rewards Platinum Edition Visa
0.00%
(Fixed)
6 Months As Low As 13.99% $0.00 Apply Now!
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* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply" button, you can review the credit card terms and conditions on Discover's website.

CardTrak.com® is not sponsored or have an affiliation with any bank or like organization as presented on the CardTrak® website which is for informational purposes only. CardTrak® does not have any involvement or can in any way guarantee approval for any credit card listed. The approval for a credit card is solely based on the issuing bank’s criteria. CardTrak® takes reasonable care to assure the accuracy of the information contained herein, but is not responsible for any errors or omissions. By clicking the "Apply Now" button, you will be transferred to the issuing bank's website where you should review and confirm rates and terms before applying. All questions should be directed to the issuing bank only.