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Verdict: You still remember the glory days, the days in which the Kansas City Royals ranked alongside the New York Yankees as the most successful team in the American League. Those days, and that 1985 World Series victory over the St. Louis Cardinals, may be long gone. But you can still show your support for the Royals with the Kansas City Royals MLB Extra Bases Credit Card. This card comes complete with the Kansas City log on its front. It also allows you to earn rewards points with every purchase that you make.
Overview: The Kansas City Royals Extra Bases credit card is one in a series offered by Bank of America and Major League Baseball. Each team in the game has its own credit card. Each card comes with the same basic rewards program. None of the cards charges an annual fee.
How This Card Works: This card provides you with rewards points with every purchase that you make with it. You might argue that the amount of points it provides, though, isn’t quite enough.
Travel and Shopping Benefits: You’ll earn the same amount of rewards points for every dollar that you charge with the Kansas City Royals MLB Extra Bases credit card: one. That’s a bit of disappointment to consumers used to earning double or triple rewards points for specific purchases made with higher-end credit cards. The fun with the Royals card,though, starts when you earn enough points to redeem them. Then you can shop online for Kansas City jerseys, autographed baseballs, baseball cards, game programs and even the chance to attend invitation-only Royals events.
Fees: The Royals card comes with a reasonable interest rate, depending on your credit score. If your score is high, your purchase interest rate will be as low as 12.99 percent. If it’s high, your rate can soar to as much as 20.99 percent. The card also comes with an introductory interest rate offer of 0 percent on all new purchases. The card comes with no annual fee, and a cash-advance fee that runs either $10 or 4 percent of the advance amount, whichever figure is higher. Returned-payment fees cost up to $25, while late-payment fees run as high as $35.
- Chance to turn rewards points into Royals merchandise.
- Purchase interest rate can be as low as 12.99 percent.
- No annual fee.
- Interest rate can rise as high as 20.99 percent.
- Rewards program is too basic.