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  Cadence Bank Standard Mastercard®
Cadence Bank Standard Mastercard® Unaffiliated

Cadence Bank Standard 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 Standard Mastercard® Review

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

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.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Cadence Bank Standard 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.
  • Does not include many credit card benefits.

Cadence Bank Mastercard FAQ

Does Cadence Bank Mastercard have a cash back or rewards program?

Cadence Bank Mastercard is a rewards card.

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

Does Cadence Bank Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Cadence Bank Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Cadence Bank Mastercard benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Cadence Bank Mastercard?

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 Standard 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 16.9% 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 Mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Cadence Bank Mastercard have an intro APR offer on new purchases?

Cadence Bank Standard 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 Mastercard?

The following fees apply:

  • There is no overlimit fee
Cadence Bank Mastercard 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 Mastercard have a foreign transaction fee?

Cadence Bank Mastercard 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 Mastercard?

The Cadence Bank Mastercard customer service number is (800) 636-7622.

What is the support contact email for Cadence Bank Mastercard?

The support contact email for Cadence Bank Mastercard is n/a.

What is the Cadence Bank Mastercard login page?

You can access the Cadence Bank Mastercard login page here.

How do people rate the customer service and user experience of Cadence Bank Mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Cadence Bank Standard Mastercard® report your account activity to credit bureaus?

Yes, Cadence Bank Standard 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 Mastercard

  • Visit the Cadence Bank Mastercard 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
Rewards Categories
  • 1x Point on Travel
  • 1x Point on Airfare
  • 1x Point on Car Rentals
Cash Advance APR (Variable APR) 16.9% - 21%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Credit Limit Starting at $500
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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