Park National Bank Visa® Platinum Card
- Annual fee
- None
- Recommended credit
- Good
- Card network
- Visa
- Intro purchase APR
- 0% for 18 months from account opening date
At a glance
The Park National Bank Visa Platinum Card is a basic credit card issued by Park National Bank. Designed to help cardholders save money, it forgoes the bells and whistles of a rewards program in favor of a lengthy introductory APR period which, with proper planning, can be used to save plenty of money.
Our review of the Park National Bank Visa® Platinum Card
If you’re looking for a credit card that won’t break the bank with excessive fees and high interest rates, the Park National Bank Visa Platinum Card could be the perfect fit for you. Designed to help cardholders save on interest and pay down debt more quickly, this card offers a competitive APR and a lengthy introductory APR period.
Lengthy Introductory APR and Low, Competitive Interest Rates
The Park National Bank Visa Platinum card stands out with its competitive standard APR, making it easy for cardholders to save money. With an introductory APR of 0% for the first 18 billing cycles on purchases and balance transfers, this card is a great option for those looking to make a big purchase or transfer existing debt.
How To Take Advantage of an Introductory APR
To make the most of the introductory APR period, it’s important to pay your balance in full before the period ends. Planning your purchases and balance transfers ahead of time can help you avoid unexpected interest fees. Be sure to read the fine print to understand any additional fees, such as balance transfer fees.
Additional Savings and Consumer Cardmember Benefits
The Park National Bank Visa Platinum Card comes with no annual fee and offers a range of Visa perks and benefits, including extended warranty coverage, auto rental collision damage waiver coverage, and zero fraud liability. Cardholders also have access to travel assistance, fast cash access, and 24-hour cardmember service.
Balance Transfer Fees
While the card charges a fee for balance transfers, it’s important to consider this fee in relation to the potential savings from the introductory APR period. Depending on your debt and budget, the balance transfer fee may or may not be worth it. Be sure to check your credit limit and get approval from the card issuer before transferring a balance.
Should You Apply for the Park National Bank Visa Platinum Card?
Whether you’re looking to transfer a balance or make a large purchase without accruing interest, the Park National Bank Visa Platinum Card is a solid choice. With a lengthy introductory APR period and competitive standard APR, this card offers significant savings compared to other similar cards on the market.
Overall, the Park National Bank Visa Platinum Card is a simple and effective option for consumers looking to save money and pay down debt. With its competitive rates and consumer-friendly benefits, this card is definitely worth considering for those in search of a reliable credit card option.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Introductory APR of 0% for the first 18 billing cycles
- Extended warranty coverage and Zero Fraud Liability
- Auto Rental Collision Damage Waiver coverage
Who this card may suit
- You're planning a large purchase using a credit card and will pay down your balance without interest fees for 18 months
- You have existing debt that you'd like to avoid paying interest on by transferring your balance to this credit card, and will budget to pay this debt off within 18 months
- You want a card that does not charge an annual fee
- You want the benefits and cardholder protections that accompany a Visa® credit card, such as Zero Fraud Liability
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 18 months from account opening date |
| Regular Purchase APR | 19.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 18 months from account opening date |
| Balance Transfer APR | 19.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | Up to 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit.
Apply Now for Park National Bank Visa® Platinum Card (opens in a new tab)View issuer terms for Park National Bank Visa® Platinum Card (opens in a new tab)
Park National Bank Visa® Platinum Card
Apply Now for Park National Bank Visa® Platinum Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Grow Credit Mastercard
- Grow Credit reports customer activity to the three major credit bureaus each month – which can help you establish…
- Choose from over 100 available subscription services to pay with Grow Credit
- Annual fee
- None
- Recommended credit
- No Credit Required
- Purchase APR
- 0.00%
UNIFY Variable-Rate Visa® Gold Credit Card
- No balance transfer or cash advance fees
- Optional Debt Protection
- Annual fee
- None
- Recommended credit
- Good / Fair
- Purchase APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
PEFCU Visa Card
- No balance transfer fees
- Visa Platinum benefits
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Purchase APR
- 9.90%, 10.50%, or 10.90%