VM Visa Gold

Credit Card
Cash back

VM Visa Gold

Welcome offer
Earn up to J$2,500 cash back after your first purchase
Features
  • Earn Cashback on Everyday Purchases
  • Price Protection Benefit
  • Purchase Protection against theft and accidental damages
Annual Fee
J$ 6,000.00
Purchase
Interest Rate
42.00%
Cash
Advance Rate
45.00%
Minimum
Payment
5.00%
Learn more
  • Available to All, Extra Rewards for VM Members: This card is open to both Standard and VM members. While everyone can enjoy its features, VM membership unlocks exclusive benefits, including lower rates and fees.
  • Earn Rewards on Everyday Purchases: Turn your spending into rewards with points redeemable for travel, cash back, or eGift cards.
  • Save on additional cards: VM Members enjoy a waived annual fee for supplementary VM Visa Gold Credit Cards. Non-members will pay a J$1,500 annual fee for supplementary cards.
  • Exclusive Subscriptions & Content Access: Enjoy convenient package pick-up and storage for a year with a free Skybox subscription. Additionally, gain valuable business and financial insights with complimentary access to Bloomberg Linea (limited time).
  • Price Protection: Get reimbursed for the difference if you find a covered item cheaper elsewhere within a certain timeframe (usually 30-90 days). Maximum coverage is USD$400 per year.
  • Purchase Protection: Your purchases are covered against theft or accidental damage for up to USD$1,000 per year (must be purchased in full with the card).
  • Extended Warranty: Double Your Coverage: Manufacturer or store warranty on your purchases will be extended for up to an additional year (with a maximum value of USD$1,000 per item and USD$5,000 per year).
  • Navigate fees with ease: VMBS offers a user-friendly Schedule of Fees & Charges, allowing you to understand their service charges upfront. For more details, you can visit the VMBS Schedule Of Fees & Charges.

Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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While we strive to maintain accuracy and transparency, please understand that featured products may influence their placement on our website. However, rest assured that our rankings and recommendations remain impartial and grounded in objective analysis.

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Last Updated: March 8, 2024. 

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