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  Bridge City Bank Smart Business Rewards Card

Bridge City Bank Smart Business Rewards Card

in Business Credit Cards from Bridge City Bank

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Bridge City Bank Smart Business Rewards Card

Unaffiliated

in Business Credit Cards from Bridge City Bank

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Highlights
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
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Bridge City Bank Smart Business Rewards Card is accepted.
  • Bridge City Bank Smart Business Rewards Card reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.
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 credit card does not offer an introductory rate on new purchases.

Bridge City Bank Smart Business Rewards Card Rates & Terms
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.

Bridge City Bank Smart Business Rewards Card Fees
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 rewards program?

This business credit 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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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.
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

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.

Feature Breakdown

No Annual Fee First Year
No Interest Grace Period for Late Payment 24 days
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
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
All Other Purchases Earn 2 points in your top 2 spend categories each month, automatically.
Bonus Rewards Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening
No Blackout Dates
Rewards Categories
  • Every Purchase
Signup Bonus (points) 20,000
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) 15.99% - 20.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 15.99% - 20.99%
Card Network Visa
Card Type
  • Rewards

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