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  Berkshire Bank Smart Business Rewards Visa Signature® Card

Berkshire Bank Smart Business Rewards Visa Signature® Card

in Business Credit Cards from Berkshire Bank

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Berkshire Bank Smart Business Rewards Visa Signature® Card

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in Business Credit Cards from Berkshire Bank

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Highlights
Purchase APR  (Variable APR) 11.99% - 25.99%
Balance Transfer APR  (Variable APR) 11.99% - 25.99%
Credit Score Range 650 - 850
Annual Fee $0 - $95

Berkshire Bank Smart Business Rewards Visa Signature® Card Review

Berkshire Bank Smart Business Rewards Visa Signature® Card FAQ

Who is Berkshire Bank Smart Business Rewards Visa Signature® Card designed for?

Berkshire Bank Smart Business Rewards Visa Signature® Card is a credit card issued by Berkshire Bank. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs for Berkshire Bank Smart Business Rewards Visa Signature® Card?

Berkshire Bank Smart Business Rewards Visa Signature® Card has a variable purchase APR that ranges from 11.99% up to 25.99% . The card has a variable balance transfer APR that ranges from 11.99% up to 25.99% .

It also has a variable cash advance APR that ranges from 11.99% up to 25.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Berkshire Bank Smart Business Rewards Visa Signature® Card have an introductory APR offer?

No, Berkshire Bank Smart Business Rewards Visa Signature® Card does not come with an introductory APR offer for balance transfers.

Berkshire Bank Smart Business Rewards Visa Signature® Card does not offer an introductory rate on new purchases.

Berkshire Bank Smart Business Rewards Visa Signature® Card Rates & Terms
Purchase APR 11.99% - 25.99%
Balance Transfer APR 11.99% - 25.99%
Cash Advance APR 11.99% - 25.99%
Penalty APR 0%

What are the Berkshire Bank Smart Business Rewards Visa Signature® Card fees?

The following fees apply to Berkshire Bank Smart Business Rewards Visa Signature® Card:

  • There is no annual fee.
  • A late payment penalty of up to $40.
  • A returned payment fee of up to $40.

Does Berkshire Bank Smart Business Rewards Visa Signature® Card have a foreign transaction fee?

Berkshire Bank Smart Business Rewards Visa Signature® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Berkshire Bank Smart Business Rewards Visa Signature® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $40
Late Payment Fee up to $40

Is there a Berkshire Bank Smart Business Rewards Visa Signature® Card cash back or rewards program?

Berkshire Bank Smart Business Rewards Visa Signature® Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does Berkshire Bank Smart Business Rewards Visa Signature® Card have a signup bonus?

Berkshire Bank Smart Business Rewards Visa Signature® Card doesn't offer a cash signup bonus.

However, it does include a 20000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Berkshire Bank Smart Business Rewards Visa Signature® Card offer an annual loyalty bonus?

Berkshire Bank Smart Business Rewards Visa Signature® Card doesn't offer a cash loyalty bonus.

What are the Berkshire Bank Smart Business Rewards Visa Signature® Card benefits?

Berkshire Bank Smart Business Rewards Visa Signature® Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

Does Berkshire Bank Smart Business Rewards Visa Signature® Card report your account activity to credit bureaus?

Yes, Berkshire Bank Smart Business Rewards Visa Signature® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Berkshire Bank Smart Business Rewards Visa Signature® Card

  • Visit the Berkshire Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Contact

  • Headquarters
  •   P.O. Box 9201
    Old Bethpage, NY 11804
  •   Visit Site

Other Services by Berkshire Bank

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Feature Breakdown

Every Purchase (Points) 1x points monthly per $1 spent on other eligible purchases. 2X points per $1 spent in your top two spend categories each month – automatically.
Every Purchase (Points) Starting at 1
No Annual Fee First Year
No Interest Grace Period for Late Payment 2.00 days
Annual Fee $0 - $95
Cash Advance Fee (%) 4% - 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $40
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $40
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 20,000
Balance Computation “Average daily balance (including new purchases)”.
Cash Advance APR (Variable APR) 11.99% - 25.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 25.99%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 11.99% - 25.99%
Card Network Visa
Card Type
  • Rewards

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