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  Benjamin Credit Card
Benjamin Credit Card

in Personal Credit Cards from Benjamin

Unaffiliated

Benjamin Credit Card

Unaffiliated

in Personal Credit Cards from Benjamin

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Highlights
Purchase APR  (Variable APR) 7% - 24%
Balance Transfer APR  (Variable APR) 7% - 24%
Credit Score Range 300 - 850
Annual Fee $0 - $249

Benjamin Credit Card Review

This is a rewards credit card issued by Benjamin. If you're wondering whether Benjamin Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Benjamin Credit Card has a variable purchase APR that ranges from 7% up to 24%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $249 for the privilege.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Benjamin Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Benjamin Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Benjamin Credit Card FAQ

Does Benjamin Credit Card have a cash back or rewards program?

Benjamin Credit Card is a travel rewards card.

Benjamin Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Benjamin Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Benjamin Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Benjamin Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Reports to major credit bureaus

What are the relevant APRs for Benjamin Credit 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.

Benjamin Credit Card has a variable purchase APR that ranges from 7% up to 24%. The card has a variable balance transfer APR that ranges from 7% up to 24%. It also has a variable cash advance APR that ranges from 7% up to 24%. Note that late payments are subject to an APR of 29.99% 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 Benjamin Credit Card have an intro APR offer on balance transfers?

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

Does Benjamin Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Benjamin Credit Card?

The following fees apply:

Benjamin Credit Card Fees
Fees Amount
Annual Fee Starting at $0 up to $249

What is the customer service phone number for Benjamin Credit Card?

The Benjamin Credit Card customer service number is (412) 273-10560.

What is the support contact email for Benjamin Credit Card?

The support contact email for Benjamin Credit Card is customerservice@bhgroup.finance.

How do people rate the customer service and user experience of Benjamin Credit Card?

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

Does Benjamin Credit Card report your account activity to credit bureaus?

Yes, Benjamin Credit Card 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 Benjamin Credit Card

  • Visit the Benjamin Credit 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.

Contact

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 5:00pm

About Benjamin Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0 - $249
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
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 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Airport Lounge Access
Rewards Categories
  • 0x - 3x Points on Travel
  • 1x - 3x Points on Gym Memberships
  • 2x - 4x Points on Restaurants
  • 1x - 3x Points on Insurance
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 7% - 24%
Credit Limit Up to $25,000
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 7% - 24%
Balance Transfer APR (Variable APR) 7% - 24%
Card Type
  • Rewards
  • Low Interest
  • Travel
  • Bad Credit
Card Network Mastercard

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