
Cadence Bank Standard Mastercard®
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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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Cadence Bank Mastercard
The Good | The Bad |
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Cadence Bank Mastercard FAQ
Does Cadence Bank Mastercard have a cash back or rewards program?
Cadence Bank Mastercard is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | 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?
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
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.
Contact
- Headquarters
-
201 S Spring St
Tupelo, MS 38804 USA - (800) 636-7622
- Visit Site
- Email Support
Other Services by Cadence Bank
Availability
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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