
Bridge City Bank Smart Business Rewards Card
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Purchase APR (Variable APR) | 15.99% - 20.99% |
Balance Transfer APR (Variable APR) | 15.99% - 20.99% |
Credit Score Range | 650 - 850 |
Annual Fee | $95 |
Bridge City Bank Smart Business Rewards Card Review
Key Takeaways
- Signup bonus. Offers a signup bonus of 20000 points after spending $500 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Bridge City Bank Smart Business Rewards Card has a variable purchase APR that ranges from 15.99% up to 20.99%.
- Annual fee waived the first year. Bridge City Bank Smart Business Rewards Card gives you the chance to have the card for a year without paying the $95 annual fee.
- 3% Balance transfer fee. Bridge City Bank Smart Business Rewards 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 Smart Business Rewards Card
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Bridge City Bank Smart Business Rewards Card FAQ
Who is Bridge City Bank Smart Business Rewards Card designed for?
This is a credit card issued by Bridge City Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 15.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 15.99% 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?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.Purchase APR | 15.99% - 20.99% |
Balance Transfer APR | 15.99% - 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:
- An annual fee of $95.
- 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.
Fees | Amount |
---|---|
Annual Fee | $95 |
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?
Yes, Bridge City Bank Smart Business Rewards Card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 20000 points signup bonus after you spend $500 that can be redeemed for travel, gifts, or other perks.
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:
- Emergency Support
- Fraud Liability
- No blackout dates when redeeming miles
- 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 Smart Business Rewards Card report your account activity to credit bureaus?
Yes, Bridge City Bank Smart Business Rewards 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.
Message From Bridge City Bank Smart Business Rewards Card
Contact
- Headquarters
-
701 W. Roundbunch
Bridge City, TX 77611 USA - (866) 999-3516
- Visit Site
- Email Support
Other Services by Bridge City Bank
Feature Breakdown
Annual Fee | $95 |
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 First Year | |
No Interest Grace Period for Late Payment | 24 days |
Over-Limit Fee | $39 |
Returned Payment Fee | $35 |
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