Review: AKC Credit Card

akc-credit-cardThe American Kennel Club, in partnership with Comenity Bank, offers a credit card that allows you to earn rewards while also supporting the AKC. Our overview / review of the AKC Visa is below:

“A percentage of net sales on the AKC Visa card will be shared with the AKC,” says the AKC Visa Web site, but no more detail is given, so you’ll just have to trust that it’s worth your effort to use the card. We at Credit Card Catalog are always disappointed at the lack of transparency with cards like this — if you want us to get the card, how about telling us exactly the amount of our purchases that actually go to the organization?

Well, that’s not going to happen. So you’ll have to console yourself with the rewards you will get from using the card, namely:

  • 3 reward points for every $1 spent at pet stores, veterinary offices, and AKC purchases.
  • 2 reward points per $1 spent on gas and grocery purchases
  • 1 reward point per $1 spent everywhere else Visa is accepted

You can then redeem your points for merchandise, gift cards, travel rewards, etc.

There is no annual fee for the AKC credit card, and the interest rate may be as low as 13.98% but also could be as high as 23.99%. If your credit is not so good, you do not want a credit card with a 20+% interest rate, so if you are approved at a high rate, you are better off canceling this card, especially if you have a habit of carrying a balance on your card. (And forget about the rewards if you carry a balance; the interest you pay will essentially cancel out the goodies you earn.)

Overall, the AKC credit card is good for people who always pay off their credit cards and want to support the Club with their card purchases. If you’d like apply, you’ll find an application online here.