Take control of your credit.
At ABNB, we’re here to help members manage their credit cards responsibly with different cards for different styles of spending. We offer a competitive low-rate Preferred card and a Signature card with rewards. So whether you’re just starting your credit journey, repairing bad credit, or looking for extra benefits, we’ve got the right card for you.
Your Visa®. Your Choice.
Choose from our variable rate Visa® Preferred card or the ABNB Visa® Signature Rewards card.
| Card Type | Visa Preferred | ABNB Visa Signature Rewards |
|---|---|---|
| Annual Fee | None | None |
| Signup Bonus | None | 20,000 rewards points* |
| Over-limit Fee | None | None |
| Rewards | None | Visa signature benefits, cash-back capabilities, and Scorecard Rewards program. Earn 1.5 points per $1 spent on all purchases, including travel, dining, and retail. |
*20,000 reward points awarded to member when they reach their cumulative $3,000 transaction dollar amount within 90 days of account opening.
ABNB credit card holders are rewarded with several perks and benefits, including:
- Competitive interest rates
- EMV chips and Visa® SRC for extra security
- Roadside assistance for help with towing, tire changes, jumpstarts, lockouts, fuel delivery, and more
- ID Navigator powered by Norton LifeLock
- Online credit card account management
- Scorecard Rewards program
Manage Your Credit Cards with Ease Using CardValet®
In online/mobile banking and through our ABNB mobile app, you can easily manage your card, including these great benefits:
- Lock or unlock your card if it is lost or stolen
- Set alerts and controls on transactions or card balances
- Set-up travel notices when you go on vacation or head overseas
Open any wallet or purse and you’ll likely see a few credit cards, a grocery store card, a driver’s license, and a debit card. Makes sense, considering more than half of all Americans have some kind of credit card.
A credit card is different than your everyday debit card, which you use to pay for transactions directly from your checking account. Swipe the card, enter your PIN, and money comes out of your account. A credit card is similar but uses lender funds to pay for your transactions.
When you apply for a credit card, a lender will analyze your credit report to determine your creditworthiness. They’ll look at payment history, number of accounts, late payments, and age of credit to qualify you for an account and, if so, set an initial credit limit. For first-time credit card holders, you may be approved for a lower limit and a higher rate at the start. Borrowers with extensive credit history and solid credit scores may be approved for a higher credit limit and lower interest rates.
Either way, when you get a credit card and use it, you’re responsible for paying it back. Typically, you’ll only want to use what you can afford to pay back.
A credit card is a big responsibility and can have substantial impacts on your ability to borrow money in the future for things like cars, student loans, mortgages, and other credit cards.
Q. Can I switch from a low-rate Preferred card to a Signature Rewards card?
- You can apply for a Signature Rewards card and transfer the balance from your Preferred card on approval.
Q. Can I transfer balances from another card to either the Preferred or Signature Rewards card?
A. Certainly! You can transfer any card balances to your ABNB Preferred or Signature Rewards cards. Apply to transfer your balances here.
Q. How long does it take for a Balance Transfer application to be processed?
A. Two to four weeks depending on the total balance you’d like to transfer and how much available balance you have left on your ABNB card.
Q. What’s the best way to pay off a credit card?
A. It depends on the interest rate you're paying on the outstanding balance, how much you continue to use the card and what you pay each month. A good rule of thumb is to try to pay off any card balance in 36 months or less, if possible, to avoid higher interest costs.
For questions or concerns regarding card security, applications, or rewards, contact the following phone numbers:
- Fraud Security Number: 833.763.2013
- Credit Card Cardholder Service: 800.270.5975
- ABNB VISA Signature Cardholder Service: 800.270.5977
Our online debt/payment protection process is simple, fast, and convenient. To file a Debt/Payment Protection claim call 800.621.6323 or visit Your Claim (trustage.com) . Our mobile-friendly site gives you 24/7 access to your claim, so you can start a new claim, see your claims status or benefits details, and view FAQs.
*(APR) Annual Percentage Rate. Variable APR range 11.74% - 18.00%. No annual fees or cash advance fees. Foreign transaction fees apply. All loans subject to approval. Rates may vary depending on credit worthiness. Some restrictions apply.
Consumer Credit Card Agreement and Disclosure (Preferred)
Consumer Credit Card Agreement and Disclosure (Signature)