Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7% - 24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
7% - 24%(Verified 06/21/2024)
Credit Score Range
300 - 850
Annual Fee
$0 - $249
Benjamin Credit Card Review
This is a travel card issued by Benjamin. If you're wondering whether Benjamin Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Benjamin Credit Card has a variable regular 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 poor credit.
Pros & Cons of Benjamin Credit Card
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Benjamin Credit Card FAQ
Does Benjamin Credit Card have a cash back or rewards program?
Benjamin Credit Card is a travel rewards card.
| Description |
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?
Benjamin Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
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This card charges an annual fee ranging from $0 up to $249.
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 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 Benjamin perform a hard credit pull?
Yes, Benjamin Credit 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 Benjamin Credit Card
- Visit the website of Benjamin Credit 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.
Contact
Headquarters
740 15th Street North West 8th Floor
Washington, DC 20005
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