Hume Has Variety

Hume offers three different types of Visa credit cards. The features on each of these cards are beneficial to all cardholders. You should take a look at the points that each card has to work with if you want to get something that is easy to handle.

The Value Card Is Affordable

The first of the Hume Visa cards is the Value card. This is a card that can work especially well for people who have new credit histories. The features on this card include the following:

  • Free use each year; you will not have to pay an annual fee on the card
  • A 13.15% interest rate
  • A 17.95% cash advance rate
  • Fifty-five days to pay off your card’s balance before interest is added onto it; you will not get any of these interest free services on any cash advances that are made with your card
  • A substantial credit limit; the limit will range from $500 to $20,000
  • The ability to get other cardholders to work on your account; you can get people onto your account for free

The Loyalty Card Offers Rewards

The second Hume card is the Loyalty card. This Visa card will allow you to collect rewards over time. These rewards can allow you to get a variety of discounts for different purchases or free merchandise among other things. This rewards scheme is free for you to join.

It is easy to get rewards. You will get one point for each dollar spent on your card. You can redeem your points for rewards over time.

You should know that the loyalty points on your card will only work towards Visa transactions. Anything that is eligible as a Visa transaction can work to give you loyalty points.

There are a number of other things to use with this card:

  • A 17.95% rate; this works for both cash advances and Visa purchases
  • Fifty-five days without interest
  • The same credit limit standards that the Value card uses
  • An annual fee of $30; you can waive this fee if you spend $8,000 or more on Visa purchases over the course of a year
  • You can still get additional cardholders without any fees

The Gold Card Is The Top Card

The most notable card to use is the Gold card. This top level Hume Visa card uses the same interest rate, loyalty point standard and interest free period that the Loyalty card uses. The big difference between the Gold card and other cards is that it can work with a greater credit limit.

You can get a credit limit of as much as $50,000 on your card. Also, the minimum that can be used on your card will be worth $7,500.

Also, the Gold card will have a higher annual fee. This fee will be worth $60. It can be waived if you spend at least $12,000 in a year on it.

The three card options from Hume are all useful options for you to get. These options can allow you to use many benefits. You can easily pay off your card thanks to the interest free days on a card. The rewards that you could get out of a card can also be useful.