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  Berkshire Bank Visa® Business Cash Card
Berkshire Bank Visa® Business Cash Card Unaffiliated

Berkshire Bank Visa® Business Cash Card

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Highlights
Purchase APR  (Variable APR) 13.99% - 22.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 13.99% - 22.99%
(Verified 08/04/2023)
Annual Fee $0
Credit Score Range 650 - 850

Berkshire Bank Visa® Business Cash Card Review

This is a cashback card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Visa® Business Cash Card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of up to $25.
  • Competitive APRs. Berkshire Bank Visa® Business Cash Card has a variable purchase APR that ranges from 13.99% up to 22.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Berkshire Bank Visa® Business Cash Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Berkshire Bank Visa® Business Cash Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 13.99% up to 22.99%.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Berkshire Bank Visa® Business Cash Card is accepted.
  • Berkshire Bank Visa® Business Cash Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 13.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 22.99%.

It also has a variable cash advance APR of 23.99%. Note that late payments are subject to an APR of 28.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 6 months from account opening.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 6 months.

Berkshire Bank Visa® Business Cash Card Rates & Terms
Purchase APR 13.99% - 22.99%
Balance Transfer APR 13.99% - 22.99%
Cash Advance APR 23.99%
Penalty APR 28.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business 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 business card at home and apply for one that doesn't charge a foreign transaction fee.

Berkshire Bank Visa® Business Cash Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $35
Late Payment Fee $19 to $39

Does it offer a cash back or rewards program?

Yes, Berkshire Bank Visa® Business Cash Card offers a rewards program to its customers. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Internet, Cable and Phone Services
  • Every Purchase
  • Gas stations
  • Groceries
  • Restaurants
  • Utilities

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $25.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 773-5601.

What is the support contact email?

The support contact email for this business credit card is websupport@berkshirebank.com.

Does Berkshire Bank Visa® Business Cash Card report your account activity to credit bureaus?

Yes, Berkshire Bank Visa® Business Cash 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?

  • Visit the Berkshire Bank Visa® Business Cash Card website.
  • 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Berkshire Bank Visa® Business Cash Card

Earn up to 3% cash back on eligible net business purchases. Intro APR* for Purchases and Balance Transfers: Business Cash: 0% introductory APR for the first 6 billing cycles. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions. Earn 2% cash back on eligible net purchases at restaurants and gas stations. Earn 1% cash back on all other eligible net purchases. $25 cash back awarded after your first purchase. Annual Fee.

Other Business Credit Cards by Berkshire Bank

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Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Annual Fee $0
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
No Annual Fee
No Interest Grace Period for Late Payment 24 days
Over-Limit Fee $39
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Internet / Cable / Phone Services
  • Gas
  • Groceries
  • Restaurants
  • Utilities
  • Every Purchase
Signup Bonus Starting at $25
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 23.99%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 13.99% - 22.99%
(Verified 08/04/2023)
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 13.99% - 22.99%
(Verified 08/04/2023)
Card Network Visa
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
  • Zero Percent

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