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US Bank Club Carlson Premier Rewards Visa Signature Card – Give You the Chance to Really Get Away?


The US Bank Club Carlson Premier Rewards Visa signature card certainly comes with a variety of exclusive rewards and benefits. We’ll provide a brief overview regarding coverage of those basics, as well as the rates and terms, fees and a variety of additional information that may help you decide whether this Club Carlson card is the one for you.

Club Carlson Premier Rewards Visa Signature Card Basics

Club Carlson provides a variety of credit cards offered by US Bank, with the Club Carlson Premier Rewards Visa Signature card being one of the most popular. When you’re approved for this card, you automatically have the opportunity to earn 85,000 bonus gold points. This is for new accounts only, and in order to receive this bonus, a number of stipulations have to be met.

You’ll be awarded 50,000 gold points if you make your first purchase within 90 days of the account opening, and you have the option to earn an additional one-time spending bonus of 35,000 gold points if you spend a minimum of $2,500 within the first 90 days of your account opening.

In addition to the initial rewards bonus points, benefits associated with the Club Carlson Premier Rewards Visa Signature card include your ability to earn 10 points for every dollar you spend on purchases at eligible and/or participating Carlson Rezidor hotels.  More than 1,000 hotels around the world are included in these offers.

In addition, card members can also earn five points for every dollar spent on eligible purchases anywhere else, but again, be aware that stipulations apply, which is why it’s always important to read the terms and conditions associated with any reward program.

You’re also eligible for bonus award nights. When you redeem your gold points for two or more consecutive award night stays, your last night is free. This perk is only offered to card members. In addition, you can earn 40,000 in renewal bonus points annually.

Another benefit of the Premier Rewards Visa Signature card is that you are automatically upgraded to Gold Elite status after your card has been activated and used. Other benefits include Concierge Elite status, and ability to receive up to 15 qualifying nights toward attaining Concierge Elite status after the activation and use of your new card.

In addition, you are able to benefit from Visa Signature services and no preset spending limit. Now, this doesn’t mean that you can spend through the roof, as US Bank will determine expenditures on a case-by-case basis. For this reason, we do advise anyone traveling and planning on using the Club Carlson Premier Rewards Visa Signature card to contact US Bank to ensure that your planned expenditures will be approved while you’re away. Authorization for your spending will be based on your credit history, income verification, your liquid assets, and account history.

Additional benefits associated with the US Bank Club Carlson Premier Rewards Signature card include perks that are available with just about any credit card day. These benefits include automatic bill pay options, free Internet banking, zero fraud liability, travel accident insurance, travel and emergency assistance services, and auto rental collision damage waiver. Each of these comes with little footnotes on the terms and conditions, which specify details, rules, and limitations to those offers.

Visa Signature Concierge Services

Concierge services are available for all Visa Signature card holders. In addition to the benefits and perks you receive from your Club Carlson Premier Rewards Visa signature card, card members also benefit from specific Visa Signature perks including the handling of travel accommodations and inquiries, finding local entertainment, making hotel reservations, or comparing car rental rates.

These services are specially designed for business travelers, especially those who find themselves in new or unfamiliar locations. Visa Signature concierge services also include help with obtaining dinner reservations and restaurant recommendations, and assistance obtaining access to specialized local events. Shopping information, gift delivery services, and other information is also available to Visa Signature card holders.

Okay, so far, the Club Carlson Premier Rewards Visa Signature card certainly offers a variety of perks and benefits, but what about the terms and conditions?

Interest Rates and Charges

The Club Carlson Premier Rewards Visa Signature card comes with a variety of terms and conditions. The annual percentage rate attached to your Club Carlson Premier Rewards Visa Signature card ranges between 13.99% and 22.99% based on your credit history and your perceived creditworthiness by US Bank. Only those with excellent credit will range in the lower teens. The same APR applies to balance transfers. For cash advances, you can expect to pay a 24.99% APR. You can avoid paying interest on your purchases if you pay your entire balance by the designated due date on a monthly basis. Visit the website for more information regarding APRs.

The Club Carlson Premier Rewards Visa Signature card comes with a variety of fees. You can expect to pay $75 for annual membership fee, as well as fees for balance transfers, convenience check cash advances, cash advances at both ATM machines and physical locations, cash equivalent advances, and foreign transaction fees. Check the website for more information regarding these fees.

You don’t have to pay any fees for overdraft protection or for being over your limit.  However, when it comes to balance transfers or convenience check cash advances, be prepared to pay 3% of the amount of every transfer or advance, or a $5 minimum, whichever is larger. Cash advances, at an ATM machine or at a physical location, charge 4% fee for every advance, or a $5 minimum, again whichever is larger. You can expect to pay 4% of the advance or the $10 minimum when it comes to cash equivalent advances.

You’ll pay 2% of foreign purchase transactions at ATM or physical locations if those transactions are made in US dollars, or 3% if they’re made in foreign currencies. Finally, you can pay up to $35 for a late payment or a return payment.

Bottom Line

If you’re a frequent traveler, the US Bank Club Carlson Premier Rewards Visa Signature card certainly provides a variety of perks and benefits. However, it’s not recommended for those who do not travel or routinely stay at Carlson properties.

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