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HSN Platinum Rewards VISA® CardQuick Summary:
This is a Visa rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by Washington Mutual Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 9.24% and may be as high as 21.24%, depending on your credit worthiness*.APR's:
There is an introductory APR as low as 0.00% for 6 billing cycles. This intro rate applies towards both balance transfers and purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.99% to the U.S. prime rate. Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 752 is recommended for a higher chance of approval for the HSN Platinum Rewards VISA® Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the HSN Platinum Rewards VISA® Card is at least 25 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 752, then your chance of approval may be greater than other applicants. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details:
- 0% FIXED APR for 6 months on Purchases and Balances Transferred Now (not on Cash Advances)*
- Earn 3 points for every $1 spent at HSN and 1 point for every $1 spent everywhere else*
- Receive a $10 HSN merchandise credit for every 1,000 points you earn
- Enjoy 0% APR for 90 days on purchases of select HSN items*
- Ongoing VIP offers and special discounts
*Please view and verify the card offer's terms and
conditions regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 9.24% | | Avg. APR** | 11.8% | | Annual Fee | $0 | | Avg. Annual Fee** | $9.65 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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