In addition to the great benefits all backed by the Unicvv Visa cards, the MTV Visa credit card is still the coolest. Although this particular credit card is often chosen by the younger generation, it is available for anyone young at heart. As you are about to discover, the point reward system of this card is the primary reason it is so popular. Although interest rates are higher than some other similar cards, when you discover how beneficial the rewards system is, choosing to apply for this Visa credit card makes perfect sense.
For starters, the standard Annual Percentage Rate is variable and set at 24.9%, which is good for normal purchases along with balance transfers. However, for balance transfers, the fee is waived. In addition, Visa does not charge an annual fee for carrying this card, which helps to offset the higher interest rate. Now, some of the benefits that you would enjoy include the $0 fraud liability protection. This means if the card were lost or stolen and someone were to make unauthorized purchases you would not be financially responsible.
In addition, the MTV Visa credit card comes with travel accident insurance. In this case, if you were traveling on business or pleasure and became ill or injured thereby requiring medical attention, the insurance protection would kick in so you are not left spending thousands of dollars for proper care. The card also features rental car insurance so when traveling, you could rent a vehicle, waiving the insurance offered from the rental company, but knowing you are completely protected in case of an accident. Then, the 24-hour travel and emergency assistance is a huge bonus. If for any reason you needed assistance from a company professional, help would be just a phone call away anytime day or night.
As mentioned, the rewards program associated with the MTV Visa credit card is amazing. With this, you have the opportunity to accumulate points that could then be redeemed for shows, events, and merchandise specific to MTV. However, with the accumulated points, you could also purchase gift cards from major retailers, use 15,000 points to fly free, trade points in for cash or discounts on merchandise, or even donate the points to a charity of your choice. Obviously, having so many choices with a credit card rewards program is rare.
With the MTV Visa credit card, you would earn five points for every $1 spent using the card for entertainment. Along with this, you would be provided with two points for each dollar spent dining out, and one point per $1 for all other credit card purchases. Finally, during each billing cycle, you would earn yet another 25 points. All the points earned never expire so you can use them at your leisure.