Juniper Credit Card

A Juniper credit card, or Juniper Bank Master Card, is a credit card issued by Juniper Bank. Juniper was taken over by Barclays Bank in 2004 and has since partnered with numerous businesses to offer rewards ranging from airline miles to low or no interest financing on Apple products.

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Possible benefits of a Juniper credit card include a rewards program, transparent banking, and low or no over-the-limit fees. On their website, they claim to be a solid company with a long history. Juniper, as a division of Barclay's, claims to have over 300 years experience and partnerships with sixty major businesses.

A Juniper credit card offers usage rewards to its customers through relationships with leading companies across a variety of sectors. Partners include ATA Airways, Carnival Sea Miles, Orbitz, Travelocity, Best Western and several other big name companies. Recently, Juniper was a big hit with the music crowd for offering iTunes rewards and low or no interest financing on purchases from the Apple store.

Juniper also offers rewards, such as miles for travel, for customers who make balance transfers. At times, Juniper has offered customers 1000 bonus miles for every $1,000 balance transferred to a Juniper card. Customers must be aware, however, that a fee is charged for balance transfers.

Juniper calls itself a transparent banking card. When you access your bank account online, you get a complete history of all transactions and can download all existing statements into your file. This will allow you to better track your spending, and help you catch suspicious purchases on your account in case of fraud. Juniper can also send you wireless alerts about your account activity to your email or cellular phone.

Juniper also lists several other potential benefits, in addition to their rewards programs. The following is a list of benefits Juniper claims to offer customers:

• Juniper makes their credit cards accessible to customers with bad credit, albeit at a higher interest rate.
• Juniper MasterCard customers are not required to pay any over-the-limit fees.
• Late fees are charged at a rate below industry average.
• Juniper charges no ATM fees and some accounts will even reimburse customers if the card is used at other ATMs.
• Customers can manage accounts online and make payments to certain utilities, such as water and electric, via the Internet.

Potentially high fees and higher-than-average interest rates are some of the potential detriments associated with Juniper cards. Some claim that the fee structure is deceptive, and that Juniper charges what appear to be reasonable fees on the surface, which are actually not in-line with standard industry practice.

• Although Juniper claims late fees are some of the lowest in the industry, a late payment can cause the APR on the credit card to rise sharply, costing customers large amounts of cash in interest.
• Credit Card Flyers reports that Juniper charges higher-than-average APR fees, which can be adjusted periodically based on vague guidelines such as a "review" of the customer's credit performance.
• Juniper charges transaction fees for balance transfers, cash advances, convenience checks, and returned checks.
• Some Juniper credit cards also charge a monthly fee for having and/or using the card.

Some customers claim that payment terms may be confusing. Some cards offer 90 days to pay, or special introductory rates, but customers may be misled because they believe that 90 days is from the date of billing, when actually it is from the date of purchase.

When evaluating any credit card offer, including Juniper credit cards, make sure you read the fine print. Understand what your obligations are as a consumer, and be sure to ask questions of customer service if there is anything you are confused about.

A Juniper card can offer you a good option for a rewards card if you are aware of the APR and other fees and limitations and determine that in your situation, the benefits outweigh the potential drawbacks.

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