Frequently Asked Questions

What you should know about SKYPASS Visa Cards.

 
SKYPASS Visa Credit Cards

How to Apply

Member Benefits
  • Click to Show/Hide What are some of the other benefits of the SKYPASS Visa card?
    • Earning Power
      Use the SKYPASS Visa card for all purchases from airline tickets to hotels to gas and groceries to big-ticket items like computers and personal digital assistants to monthly recurring charges (mortgage, utilities, daycare services, or tuition).
    • Automatic Bill Payments
      Pay all of your bills with your SKYPASS Visa card. Contact merchants or service providers for exact details and acceptance.
    • AutoPay
      Pay your SKYPASS Visa card bill from any checking or savings account in the United States.
    • Online Banking
      Sign-up via usbank.com to make transactions on your SKYPASS Visa card including transfers from checking or savings accounts, cash advances and payments. You will have the ability to view your credit card statement online. For Business cardmembers, you will also be able to view and manage your business expenses online.
    • Telephone Transfer
      Sign-up to make a payment on your SKYPASS Visa card from a U.S. Bank checking or savings account via the telephone.
    • Phone Pay
      Sign-up to make a payment on your SKYPASS Visa card from ANY checking or savings account in the United States.
    • Convenience Checks
      Contact Customer Service for convenience checks that allow you to make purchases from your SKYPASS Visa card.
  • Click to Show/Hide What are the additional features for U.S. Bank Checking or Savings account holders?
  • U.S. Bank Overdraft Protection
    Your SKYPASS Visa card protects your U.S. Bank Checking account from overdrafts in $25 increments up to your available credit limit, with the same APR as your Visa card.

    Expanded Account Access
    You can use your SKYPASS Visa card to access your U.S. Bank Credit, Savings, and Checking accounts at  any U.S. Bank ATM.

    Telephone Transfer
    You can transfer funds between your U.S. Bank accounts and your credit card account using your touch-tone phone. It's an easy and convenient way to pay your monthly bill.

  • Click to Show/Hide How many miles are required to join the Morning Calm Club?
  • To reach Morning Calm Club Membership:
    • 50,000 or more flown miles on KAL or
    • 40 qualifying flights on KAL or
    • 20,000 miles from SKYPASS partners + 30,000 KAL flown miles

    To maintain Morning Calm Club membership:

    • 30,000 or more flown miles on KAL or
    • 20 qualifying flight segments on KAL or
    • 20,000 miles or 15 qualifying flight segments on KAL + 10,000 miles from SKYPASS partners
  • Click to Show/Hide How long is Morning Calm Club membership valid for?
  • Two (2) years.  During the two-year Morning Calm Club membership period, fulfillment of any one of the following conditions will automatically extend the membership validity for the next two years2.
    • Accumulation of additional 30,000 or more flown miles on Korean Air
    • Additional 20 qualifying flight segments on Korean Air
    • Accumulation of additional 30,000 or more flown miles on Korean Air and partner companies combined, provided that at least 20,000 miles or 15 qualifying flight segments are on Korean Air
  • Click to Show/Hide Will I still receive my two (2) KAL Lounge Coupons?
  • Yes, SKYPASS Visa Signature and Business primary cardmembers will receive two (2) KAL Lounge Coupons each year, 8 to 10 weeks after your annual fee is paid, provided the SKYPASS Visa card is open and in good standing at time of renewal.  Annual fee must be paid in the month it is due to be eligible for Lounge Coupons.
  • Click to Show/Hide NEW - How and when will I receive the two (2) KAL Lounge Coupons?
  • Offer valid in conjunction with Korean Air tickets on Korean Air operated flights and cannot be used with tickets issued by other airlines. Korean Air Airport Lounges in Korean Air gateway cities within North and South America and Seoul (Incheon), Korea only. Lounge Coupon is valid for one (1) lounge use only and must be surrendered upon entering a Korean Air Lounge. To access a Korean Air Lounge in North and South American Korean Air gateway cities, or to access the KAL Prestige Lounge or KAL Concourse Lounge at Incheon after check-in or en route to the final destination, proceed directly to the Lounge with the Coupon. Each year the primary cardmember will receive two (2) Lounge Coupons by mail 8 to 10 weeks after your annual fee is paid, provided SKYPASS Visa account is open and in good standing at time of renewal. Cardmembers must pay annual fee in the month it is due to be eligible for Lounge Coupons.
  • Click to Show/Hide What are the terms and conditions of the Lounge Coupons?
  • Offer valid in conjunction with Korean Air and cannot be used with tickets issued by other airlines.  Lounge coupon is valid for one (1) Lounge use only and must be surrendered upon entering a Korean Air Lounge.  To access a Korean Air Lounge in North American Korean Air gateway cities and in Incheon, or to access KAL Prestige Lounge or KAL Concourse Lounge at Incheon en route to final destination, proceed directly to the Lounge with the Coupon.  Lounge access is subject to space availability.

Basic Card Facts
  • Click to Show/Hide Is the APR competitive?
  • The APR is competitive for credit cards that offer rewards. You pay no interest on purchases when you pay your bill in full by the payment due date each month.

Smart Chip Technology
  • Click to Show/Hide What is a chip credit or debit card?
  • Chip cards, or "smart cards" have a microchip embedded in the credit or debit card. The chip is encrypted and provides stronger security and protection against fraud. A chip card also has a magnetic stripe on the back of the card.
  • Click to Show/Hide What does a chip card look like?
  • Many features of a chip card are the same as a magnetic stripe card. Both cards are embossed on the front with the card number, cardmember name and expiration date and provide the three-digit security code on the back of the card. The key difference is the gold or silver-colored embedded chip on the front left side of the card.
  • Click to Show/Hide What are the benefits of my new chip card?
  • The embedded microchip makes the card extremely difficult to copy, which ensures enhanced security if it is lost or stolen and makes a card more difficult to counterfeit. Chip cards securely store information and process data safely and efficiently.
  • Click to Show/Hide Where are chip cards used now?
  • In some countries (particularly in Europe), merchants may be more familiar with accepting chip cards than magnetic-stripe cards. Around the world, chip technology is currently in use or is being implemented in 130 countries. Visa requires that magnetic-stripe cards be accepted everywhere Visa is accepted.
  • Click to Show/Hide Will my card work outside the United States?
  • Your new chip card will work at merchants processing transactions using a chip terminal or using a magnetic stripe. Chip cards can be used anywhere in the world where Visa cards are accepted.
  • Click to Show/Hide What information is on a chip card?
  • The microchip embedded in the card stores information required to authenticate, authorize and process transactions. This is the same type of information already stored in the magnetic stripe. No personal information about your account is stored on the chip card.
  • Click to Show/Hide Does this mean that a magnetic stripe card is not secure?
  • Cardmembers should be confident about the safety and security of using magnetic stripe cards. Converting to chip technology is the next step in electronic payments to enhance card safety. In addition, you can have confidence in the protection and security features we provide our cardmembers.
  • Click to Show/Hide How do I make a chip card transaction?
    1. Insert the chip portion of the card into the terminal with the chip facing up. It’s important to leave the card in the terminal until the transaction is complete. (If you remove the card too soon, the transaction will end and your purchase will not be processed.)
    2. Follow the prompts on the terminal’s screen.
    3. The terminal will display the purchase amount.
    4. Once the purchase is approved, a receipt is printed for your signature. When your transaction is complete, you will be prompted to remove your card.

    NOTE:  At restaurants, a portable terminal may be brought to your table.

Additional Questions
  • Click to Show/Hide Is customer service available in Korean?
  • Yes. Just contact 24-hour Cardmember Services. You’ll have the choice of connecting to a Korean-speaking customer service representative or using the automated 24-hour voice response system. The voice response system allows you to access detailed information about your account in English as well as in Korean.

square corner bottom
We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. and these cards are available to United States residents only.

In the event of discrepancy between the English and Korean languages on this document, the English version will prevail.

While this U.S. Bank communication is offered in Korean, not all subsequent communications will be in that language. Some services and correspondence, including important documents related to opening and maintenance of our products (such as account agreements and statements), certain telephone numbers, website pages, and other Internet communications may be available only in English. Independent third party interpreters are available to assist you as needed.

©2017 U.S. Bank National Association.

U.S. Bank National Association • 200 South Sixth Street • Minneapolis, MN 55402

Account must be open and in good standing to earn rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

1 Rates, fees, and terms may change. U.S. Bank has the right to change the account terms in accordance with your Cardmember Agreement.
Return to Text
2 Failure to fulfill any of the above conditions will result in the conversion of the membership status to the base level.  After the membership has been reverted to the base level, if the member fulfills any one of the above conditions within a 2 year time frame, the membership will convert back to Morning Calm Club status.
Return to Text
3 Allow 8 to 10 weeks after the annual fee is paid for your annual renewal Bonus Miles to be awarded to your SKYPASS account. Annual fee must be paid in the month it is due to be eligible for renewal Bonus Miles credit. Certain limitations and restrictions may apply.
Return to Text
4 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
Return to Text
5 The free VantageScore credit score offered by TransUnion is for educational purposes only and is not used by U.S. Bank to make credit decisions.
Return to Text