5 Issues to Know Concerning the Treasured Moments Credit score Card - NerdWallet

Within the considerably latest historical past of collectible objects, Treasured Moments walked so Beanie Infants, Funko Pops and Squishmallows may run. The porcelain collectible figurines characteristic child-like characters celebrating holidays and life occasions, or having fun with numerous seasonal actions like browsing or ice fishing.

A curio cupboard gained’t slot in your pockets, however the Treasured Moments Visa Signature Rewards Credit score Card, issued by Commerce Bank, is a solution to present your devotion wherever you go. It earns cash-back rewards, and new cardholders will get a modest coupon towards a Treasured Moments buy. Nevertheless it doesn’t provide a lot else on the subject of ongoing reductions on Treasured Moments merchandise.

Listed here are 5 issues to know concerning the Treasured Moments Visa Signature Rewards Credit score Card.

The Treasured Moments Visa Signature Rewards Credit score Card has a $0 annual payment, leaving extra room in your price range so as to add a number of collectible figurines to your assortment every year. And the rate of interest is 1.99% APR for the primary six months.

In case you carry a steadiness on this card after that time, although, the APR might be fairly excessive. As of this writing, it ranges from 20.49% to 30.49% APR. And when you miss a cost by greater than 60 days, you’ll be charged a penalty APR of 32.49% till you make six consecutive on-time funds.

New cardholders will get a $10 on-line reward code to make use of on the Treasured Moments web site, which isn’t sufficient to totally cowl the price of most collectible figurines. So, at greatest, it’s a little bit of a reduction off one buy.

The Treasured Moments Visa Signature Rewards Credit score Card earns:

• 3% money again on eligible streaming, cable and ridesharing companies.

• 2% money again at gasoline stations and eating places.

• 1% money again on all different purchases.

You may observe that there aren’t any bonus rewards for utilizing the Treasured Moments bank card on precise spending with Treasured Moments, which is odd for a co-branded card. However these are nonetheless fairly first rate rewards on sure on a regular basis spending.

Nonetheless, you’ll be able to seemingly do higher. For instance, the Capital One SavorOne Cash Rewards Credit Card earns 3% money again on eating, leisure, groceries and streaming companies, and it has a $0 annual payment. And the $0-annual-fee Blue Cash Everyday® Card from American Express earns 3% money again at U.S. supermarkets, on U.S. on-line retail purchases (like, say, Treasured Moments collectible figurines?) and at U.S. gasoline stations. Notice that there’s a $6,000 spending cap per yr to earn 3% again in every classes — you’ll earn 1% again after that. Phrases apply.

Redeem rewards for journey, reward playing cards, merchandise, or money again within the type of an announcement credit score or deposit to a checking or financial savings account. It’s also possible to redeem them at collaborating gasoline stations for gas purchases, or for reductions on in-store purchases at collaborating retailers.

Unredeemed rewards expire 5 years from the calendar quarter during which they had been earned. That’s a very long time horizon, nevertheless it’s one thing to bear in mind when you’re sitting on unused factors.