Last Updated: 04/18/2025
Bridge City Bank Smart Business Rewards Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$95
Credit Score Range
650 - 850
Bridge City Bank Smart Business Rewards Card Review
This is a rewards card issued by Bridge City Bank. If you're wondering whether Bridge City Bank Smart Business Rewards Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Bridge City Bank Smart Business Rewards Card has a variable regular purchase APR that ranges from 15.99% up to 20.99%.
- $0 intro annual fee for 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.
- A 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 up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Bridge City Bank Smart Business Rewards Card
| The Good | The Bad |
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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 $35.
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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| All Other Purchases | Earn 2 points in your top 2 spend categories each month, automatically. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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 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.
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 Smart Business Rewards Card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - Invalid DateTime
Friday
9:00AM - 4:00PM
Saturday
Closed
Other Services by Bridge City Bank
Personal Loans
Rating not yet determined (2 Reviews)
Other Business Credit Cards from Bridge City Bank
Rating not yet determined
Purchase APR
11.99% - 20.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 20.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
13.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 22.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
13.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 22.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
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