We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
Interest Rates and Interest Charges | Radisson Rewards Visa® Card |
Annual Percentage Rate (APR) for Purchases | Radisson Rewards Visa® Card: 22.99% This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | Radisson Rewards Visa® Card: 22.99% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | Radisson Rewards Visa® Card: 25.99% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Not applicable |
How to Avoid Paying Interest on Purchases | Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $2. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Fees | Radisson Rewards Visa® Card |
Annual Fee | |
• Annual Membership Fee
|
None |
Transaction Fees | |
•
Balance Transfer
|
Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
•
Convenience Check Cash Advance1
|
Either 3% of the amount of each advance or $5 minimum, whichever is greater. |
•
Cash Advance ATM
|
Either 5% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance
|
Either 5% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Equivalent Advance
|
Either 5% of the amount of each advance or $20 minimum, whichever is greater. |
•
Overdraft Protection
|
None |
•
Foreign Transaction
|
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency |
Penalty Fees | |
•
Late Payment
|
Up to $40 |
•
Returned Payment
|
Up to $40 |
•
Overlimit
|
None |
As solely used in this Radisson Rewards Program section (and not elsewhere in this Agreement), the term "Radisson Rewards Account Number" refers to the member number assigned to you by Radisson Hospitality, Inc. ("Radisson Hospitality") and used to administer the points in the Radisson Rewards Program. The term "Account" used by itself shall continue to represent the Radisson Rewards Visa Card Account as defined in the first paragraph of this Agreement.
(a) You may earn points for your Net Purchases. At the end of each billing cycle, we will calculate your point(s) earned based on 3 points for each dollar of the Net Purchases at Radisson Hotel Group hotel properties participating in the Radisson Rewards Program where the Radisson Collection, Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, or Country Inn & Suites by Radisson, appears as part of the merchant identified on your monthly statement and 1 point for each dollar of all other qualifying Net Purchases on your Account. Points earned using your Account will be transferred to your Radisson Rewards Account. We will not award points for Advances (including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, unauthorized or fraudulent charges, overdraft advances, INTEREST CHARGES, and Fees, Credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. Points cannot be earned for Accounts that are in Default, past due or closed. We reserve the right to adjust the amount of or stop requesting points for Purchases on the Account, upon notice to you.
(b) "Net Purchases" for a billing period are determined by adding all new Purchases recorded to your Account during the billing period and subtracting any credits and chargebacks to a merchant that have been recorded to your Account during the billing period for returning Purchases. If credit for returned charges exceeds new Purchases in any billing period, the excess credit will be carried forward to successive billing periods and subtracted from future new Purchases to determine the new Purchases for those successive periods. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding points in our sole discretion.
(c) In addition to the ability to earn points based on Net Purchases, the Account may include other benefits and features as detailed in your Benefits Guide. All such benefits and features are subject to the Card Benefits Program rules (as defined in the Benefits Guide) and are subject to change at any time in accordance therewith.
(d) The primary Cardmember must be a Radisson Rewards member and the Cardmember's name must match the name on the Radisson Rewards Account. Points from separately enrolled Accounts may not be combined onto one Radisson Rewards Account. Radisson Hospitality is solely responsible for the redemption and fulfillment of points. Points earned through the Account have no cash value and cannot be used as payment of obligation to us.
(e) Radisson Rewards participation, including the earning and redeeming of points and all other membership benefits and features are subject to the Radisson Rewards Terms and Conditions and privacy policy available at radissonhotels.com/rewards/termsandconditions all of which are subject to change, in whole or in part, at any time with or without notice even if those changes may affect the value of points already accumulated. Specific benefits and services offered at individual hotels may vary, may not be available at all hotels and are subject to change at any time with or without notice. You authorize us to share information about you and your Account with Radisson Hospitality and Radisson Rewards.
(f) Radisson Hospitality, its affiliates and franchisees (collectively, the "Radisson Hospitality Parties"), are not party to this Agreement, are not a creditor or owner of the Account and have no authority regarding the Account, including with respect to any extension of credit on the Account. We are solely responsible for all credit extended on the Account. Radisson Hospitality is not responsible and will bear no liability regarding any disagreements, disputes, or claims arising between you and U.S. Bank regarding your Account.
(g) We and Radisson Hospitality reserve the right to change, modify, restrict, cancel and/or terminate the Card Benefit Program, including the Card Benefit Program rules, or any features, benefits or aspects of the Card Benefit Program at any time (including, changing participating hotel properties, adjusting the amount of points you may earn or discontinuing the awarding of points for Account use), without prior notice.
(h) We are not responsible if any Radisson Hospitality Party imposes any terms or conditions on the use of points or does not honor the points. Closure of the Radisson Rewards Account will prevent credit of points and could result in forfeiture of any points balance earned by using your Account.
The creditor and issuer of the Radisson Rewards Visa card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.
© 2021 U.S. Bank. All rights reserved
© 2021 Radisson Hospitality, Inc. All rights reserved