The Pulaski Visa Gold is issues by Pulaski Bank and is designed for people with good credit that want a credit card with low costs. There are several benefits to this card but the best feature is probably the low interest rate which is fixed at 9.5% for all transactions. If you expect or plan to have a revolving balance on the card, the Pulaski Visa Gold is perfect for you. It is also rare to find a card that has the same rate for both purchases and cash advances.
The card also has no annual fees and comes with common gold card benefits such as travel services and emergency assistance services. There are also several purchase protection services. There is no rewards program with this card. However, there are several perks that make up for this.
The Pulaski Visa Gold has various Internet account related services. It also offers auto rental insurance, various travel and emergency assistance services, emergency cash replacement, emergency card replacement, lost and stolen card reporting and no liability for unauthorized transactions. The introductory rate (0%) is available for balance transfers made within the first three months of having your card.
The minimum credit limit of the Pulaski Visa Gold is $1,000 and the maximum is $10,000. There is no annual fee and no fee for additional cardholders. The average daily balance including new purchases will calculate your finance configuration which helps keep your fees down as well. The card has a 25 day grace period on payments and fairly average late payment fees of $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000.
This is a great choice if you are looking for a low-cost simple card that you can use on basic, general daily purchases. If you want to build credit or if you need to keep a revolving balance on your card, you will enjoy the Pulaski Visa Gold.
For more information or to apply for the Pulaski Visa Gold, Beth Derkowitz recommends Find Credit Cards.