| Rewards | Earn 1 point per $1 spent |
|---|---|
| Signup Bonus | You earn 1.5 points per $1 spent on all purchases (travel, dining, retail). 20,000 rewards points when you reach $3,000 in purchases in the first 90 days |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 8.49% up to 18%, based on your creditworthiness (APR is subject to change) |
| Cash Advance Fee | None |
| Late Payment Fee | $29 or the amount of the required minimum payment (whichever is less) if the payment is three or more days late. |
| Purchases APR | 9.99% to 18.00%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The ABNB Visa Platinum Rewards Credit Card stands out as a no-annual-fee card with a simple, flat rewards program and a surprisingly low APR range (around 9.99%–18% variable). Cardholders earn 1.5 points per dollar on all purchases and can redeem for travel, merchandise, or gift cards. There’s also a 20,000-point signup bonus for spending $3,000 in the first 90 days—solid for a credit-union card.
Most users say they like the straightforward rewards, helpful local customer service, and absence of common fees like cash-advance or balance-transfer fees. Many reviewers mentioned it’s great for everyday use without worrying about complex category bonuses or high annual costs.
On the downside, people often note that redemption options are limited and point values aren’t as generous as national rewards programs. Some also wish it included travel perks or more modern app features.
Personally, I think this card is best for ABNB members who want a low-cost, low-stress rewards card from a trusted local credit union. If you value simplicity and low interest rates over luxury benefits, it’s a winner. But if you’re chasing premium rewards or travel perks, bigger national cards will offer more bang for your buck.
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