Benjamin Credit Card

Benjamin Credit Card Review

This is a rewards card issued by Benjamin. If you're wondering whether Benjamin Credit Card is the right card for you, read on.

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 credit. Cardholders can earn rewards on their purchases. Benjamin Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase. 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
Signup 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.

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

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.