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  Cadence Bank Gold Mastercard®
Cadence Bank Gold Mastercard® Unaffiliated

Cadence Bank Gold Mastercard®

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 13.90% - 19.90%
(Verified 10/25/2022)
Balance Transfer APR  (Variable APR) 19.190% - 21%
(Verified 10/25/2022)
Credit Score Range 600 - 850
Annual Fee $0

Cadence Bank Gold Mastercard® Review

This is a rewards credit card issued by Cadence Bank. If you're wondering whether Cadence Bank Gold card 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 up to 6 months.
  • Competitive APRs. Cadence Bank Gold Mastercard® has a variable 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.
  • 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 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 600.

Pros & Cons of Cadence Bank Gold card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 13.90% up to 19.90%.
  • No annual fee.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Cadence Bank Gold Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.

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.

Cadence Bank Gold card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

Cadence Bank Gold Mastercard® Purchase Intro Offer
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 up to 6 months.

What are the fees for Cadence Bank Gold card?

The following fees apply:

  • There is no overlimit fee
Cadence Bank Gold card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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 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 Cadence Bank Gold card customer service number 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 Cadence Bank Gold card login page?

You can access the Cadence Bank Gold card login page 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 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 for Cadence Bank Gold card

  • Visit the Cadence Bank Gold card website.
  • 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.

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.

Availability

  Available in 1 state
Mississippi
Availabile in all of Mississippi

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $10 - $60
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • 1x Point on Travel
  • 1x Point on Airfare
  • 1x Point on Car Rentals
Cash Advance APR (Variable APR) 19.90% - 21%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Credit Limit Starting at $2,000
Penalty APR (Variable APR) 21%
Purchase APR (Variable APR) 13.90% - 19.90%
(Verified 10/25/2022)
Balance Transfer APR (Variable APR) 19.190% - 21%
(Verified 10/25/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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