SuperMoney
  Bridge City Bank Business Card
Bridge City Bank Business Card Unaffiliated

Bridge City Bank Business Card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Bridge City Bank Business Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 11.99% - 20.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 11.99% - 20.99%
(Verified 08/04/2023)
Annual Fee $0
Credit Score Range 650 - 850

Bridge City Bank Business Card Review

This is a card issued by Bridge City Bank. If you're wondering whether Bridge City Bank Business Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 20 months, which is longer 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 20 months.
  • Competitive APRs. Bridge City Bank Business Card has a variable purchase APR that ranges from 11.99% up to 20.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Bridge City Bank Business 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 2% 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 Bridge City Bank Business Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 20 months.
  • 0% APR on new purchases during the first 20 months. There is then a variable purchase APR that ranges from 11.99% up to 20.99%.
  • No annual fee.
  • Identity Theft Protection.
  • Bridge City Bank Business Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 11.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 20.99%.

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 20 months from account opening.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 20 months.

Bridge City Bank Business Card Rates & Terms
Purchase APR 11.99% - 20.99%
Balance Transfer APR 11.99% - 20.99%
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 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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.

Bridge City Bank Business Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
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?

No, it does not offer a cash back rewards program.

What are the benefits?

This business credit card provides the following benefits:

  • Emergency Support
  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (866) 999-3516.

What is the support contact email?

The support contact email for this business credit card is ckovatch@bc-sb.com.

Does Bridge City Bank Business Card report your account activity to credit bureaus?

Yes, Bridge City Bank Business 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 Bridge City 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.
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 Bridge City Bank Business Card

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. No fee for additional employee cards. Mobile payment capability for added convenience. Zero Fraud Liability. You won’t be liable for fraudulent purchases when your card is lost or stolen. Cardmember Service available 24 hours a day/365 days per year.

Other Business Credit Cards by Bridge City Bank

Loading...

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 20 months
Annual Fee $0
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) $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
  • Emergency Support
  • Fraud Liability
Rewards Type No Rewards
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) 11.99% - 20.99%
(Verified 08/04/2023)
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 20 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 11.99% - 20.99%
(Verified 08/04/2023)
Card Network Visa
Card Type
  • Low Interest

Be the first to rate

 

Would you recommend Bridge City Bank Business Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Business Credit Cards