Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.90% - 19.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
19.190% - 21%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Cadence Bank Gold Mastercard® Review
This is a rewards card issued by Cadence Bank. If you're wondering whether Cadence Bank Gold Mastercard® is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Cadence Bank Gold Mastercard® has a variable regular purchase APR that ranges from 13.90% up to 19.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Cadence Bank Gold Mastercard® 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 $10.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Cadence Bank Gold card
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Cadence Bank Gold card FAQ
Does Cadence Bank Gold card have a cash back or rewards program?
Cadence Bank Gold card is a rewards card.
| Description |
Does Cadence Bank Gold card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Cadence Bank Gold card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Cadence Bank Gold card benefits?
Cadence Bank Gold Mastercard® provides the following benefits:
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Cadence Bank Gold card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Cadence Bank Gold Mastercard® has a variable purchase APR that ranges from 13.90% up to 19.90%. The card has a variable balance transfer APR that ranges from 19.190% up to 21%. It also has a variable cash advance APR that ranges from 19.90% up to 21%.
Note that late payments are subject to an APR of 21% 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 Cadence Bank Gold card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Cadence Bank Gold card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Cadence Bank Gold card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 - $60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Cadence Bank Gold card have a foreign transaction fee?
Cadence Bank Gold card charges a foreign transaction fee of up to 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 card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Cadence Bank Gold card?
The customer service number for Cadence Bank Gold card is (800) 636-7622.
What is the support contact email for Cadence Bank Gold card?
The support contact email for Cadence Bank Gold card is n/a.
What is the login page for Cadence Bank Gold card?
You can access the login page of Cadence Bank Gold card here.
How do people rate the customer service and user experience of Cadence Bank Gold card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cadence Bank Gold Mastercard® report your account activity to credit bureaus?
Yes, Cadence Bank Gold Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Cadence Bank perform a hard credit pull?
Yes, Cadence Bank Gold card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Cadence Bank Gold card
- Visit the website of Cadence Bank Gold card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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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.