Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
18.99% - 23.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18.99% - 23.99%(Verified 06/21/2024)
Annual Fee
$0 - $95
Credit Score Range
Starting at 650
Eastern Bank Smart Business Rewards Card Review
This is a rewards card issued by Eastern Bank. If you're wondering whether Eastern Bank Smart Business Rewards Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.99% up to 23.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Eastern 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 18.99% up to 23.99% . The card has a variable balance transfer APR that ranges from 18.99% up to 23.99% .
It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% 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 | 18.99% - 23.99% |
| Balance Transfer APR | 18.99% - 23.99% |
| Cash Advance APR | 28.99% |
| Penalty APR | 30.24% |
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 $35.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Eastern Bank Smart Business Rewards Card offers a rewards program to its customers.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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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.
Hours of Operation
SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 12:00PM
Other Services by Eastern Bank
Other Business Credit Cards from Eastern Bank
Rating not yet determined
Purchase APR
14.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 23.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 650
Rating not yet determined
Purchase APR
16.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 25.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 650
Rating not yet determined
Purchase APR
16.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 25.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 650
SuperMoney Net Recommendation Score
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