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Verdict: Overall, this is an average, run-of-the-mill credit card, with a few advantages and disadvantages. The main difference between this card and others is that it is offered by Air Jamaica. This means that in order to receive maximum rewards points you have to use Air Jamaica travel services as using another airline or travel service does not reward additional points.
Overview: This is one of the MasterCard credit cards offered by specific airlines-in this case Air Jamaica. It offers a rewards program which overall seems fairly easy to use, without the cardholder having to go through a rather complicated process to use the points earned. When you use the card, you earn points that can be redeemed for travel discounts. If you use Air Jamaica airlines and travel services specifically, you can earn double points. If you choose another airline or travel service, however, you still earn single points.
How This Card Works: Once you apply for and receive your Air Jamaica credit card, you are automatically awarded 5,000 miles after making your first purchase and up to 10,000 miles for a balance transfer transaction. The awarding of these points is called an “initial bonus” feature.
Travel and Shopping Benefits: If you fly on Air Jamaica and/or use affiliated travel services, you earn two miles or $2 in rewards points for every one mile or $1 that you travel or spend. If you fly on another airline and/or use other travel services, you earn 1 mile or $1 in rewards points for every $1 you spend. You also earn one mile or $1 for regular purchases and other transactions.
Fees: The Air Jamaica credit card has no annual fee. Interest rates are between 15.24% and 18.24% and are assigned to the individual cardholder depending on creditworthiness. There is a 3% balance transfer fee, with a maximum “cap” of $50. The cash advance rate is 21.99%; the cash advance fee is 3% or a $10 minimum. There is also a 3% foreign transaction fee. There is a maximum late fee of $35.
- No annual fee
- Fairly reasonable interest rates if cardholder is eligible
- Introductory rate of 0% for 6 months on balance transfers
- Maximum Penalty APR is 30.24%
- No online response
- No intro rate on regular transactions