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  Century Bank of Massachusetts Visa Business Credit Card
Century Bank of Massachusetts Visa Business Credit Card Unaffiliated

Century Bank of Massachusetts Visa Business Credit Card

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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 600 - 850

Century Bank of Massachusetts Visa Business Credit Card Review

This is a card issued by Century Bank of Massachusetts. If you're wondering whether Century Bank of Massachusetts Visa Business Credit 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. Century Bank of Massachusetts Visa Business Credit 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. Century Bank of Massachusetts Visa Business Credit 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 600.

Pros & Cons of Century Bank of Massachusetts Visa Business Credit 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.
  • Considers applicants with fair credit.
  • Century Bank of Massachusetts Visa Business Credit 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 3%.
  • 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.

Century Bank of Massachusetts Visa Business Credit 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 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.

Century Bank of Massachusetts Visa Business Credit 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?

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

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 (866) 823-6887.

What is the support contact email?

The support contact email for this business credit card is socialwebteam@easternbank.com.

Does Century Bank of Massachusetts Visa Business Credit Card report your account activity to credit bureaus?

Yes, Century Bank of Massachusetts Visa Business Credit 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 Century Bank of Massachusetts .
  • 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 Century Bank of Massachusetts Visa Business Credit Card

Save on interest with an extended low introductory rate. Intro APR* for Purchases and Balance Transfers: Business: 0% introductory APR for the first 20 billing cycles. After that, 11.99% to 20.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions. Save on interest with a great low rate. Use for large purchases, unexpected expenses or last-minute necessities. You could save on interest and pay down your other credit card balances faster. Annual Fee.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 8:00am - 1:00pm

Other Services by Century Bank of Massachusetts

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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 3%
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • 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 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
  • Balance Transfer

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