The Irish Farmers’ Association is really important to Ireland and now you can get a credit card that can help support your interest in the IFA. This card offers some typical benefits, but if you want to show support then it is the right card for you to have in your wallet. Let’s look at the benefits that will determine if you want this card.
- Introduction for balance transfers: this card has the 1.9 percent for six months on balance transfers. The term starts on the day the account is opened and not when the transfer has been completed. It can save you money. Typically balance transfers on this card are 14.9 percent. You may already be paying that interest or a great interest. It can make paying the card down harder, so when you get a deal for a lower amount it’s a pretty good deal. There are other deals such as zero percent for 12 months on other UK balance transfer cards, but that is what the card is for. If you want to support the IFA then 1.9 percent is a definite savings.
- The annual percentage rate on transfers after that time and all the time on purchases starts at 14.9 percent. This means the rate is variable and subject to qualifications. The best credit histories and applications will receive this rate. If the risk is too high the card application could be refused or you could be offered a higher interest rate. This is standard for any card. The interest rate is 2 percent lower than the average we have found among all the other card options.
- There is a free travel accident insurance for up to 127,000 Euros. Usually there is a charge for this option. There are a few MBNA cards offering more protection, but that is a pretty high amount. It could go a long way towards helping you when you need it.
- There is also security protection like all cards.
- You have insurance for purchases between 63 and 1300 Euros.
- There is also the potential to have a 58 day free interest period. This happens when you pay the account balance off in full and on time every month. It is just a perk that saves you interest that most cards are now offering. The truth is if you pay your account in full and never carry a balance there is no interest to charge. This is how to use a credit card.
- You have online account options to manage it and as well as pay on the account.
- The IFA card also doesn’t have an annual rate, but it has the government tax that is due yearly.
- Like all cards there are fees for default options, cash withdrawals and advances, as well as 24 hour support.
Overall this card is the same as every other card. You are just supporting the IFA rather than a charity, earning flight miles or other reward options.