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  Berkshire Bank Cash Rewards American Express® Card

Berkshire Bank Cash Rewards American Express® Card

in Personal Credit Cards from Berkshire Bank

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Berkshire Bank Cash Rewards American Express® Card

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in Personal Credit Cards from Berkshire Bank

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Highlights
Purchase APR  (Variable APR) 11.99% - 23.99%
Balance Transfer APR  (Variable APR) 11.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $0 - $99

Berkshire Bank Cash Rewards American Express® Card Review

Berkshire Bank Cash Rewards American Express® Card is a cashback credit card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Cash Rewards American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Berkshire Bank Cash Rewards American Express® Card has a variable purchase APR that ranges from 11.99% up to 23.99%.
  • Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $99 for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Berkshire Bank Cash Rewards American Express® Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Berkshire Bank Cash Rewards American Express® Card is accepted.
  • Berkshire Bank Cash Rewards American Express® Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
Berkshire Bank Cash Rewards American Express® Card FAQ

Is there a Berkshire Bank Cash Rewards American Express® Card cash back or rewards program?

Berkshire Bank Cash Rewards American Express® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Berkshire Bank Cash Rewards American Express® Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Berkshire Bank Cash Rewards American Express® Card have a signup bonus?

Berkshire Bank Cash Rewards American Express® Card doesn't offer a cash signup bonus.

Does Berkshire Bank Cash Rewards American Express® Card offer an annual loyalty bonus?

Berkshire Bank Cash Rewards American Express® Card doesn't offer a cash loyalty bonus.

What are the Berkshire Bank Cash Rewards American Express® Card benefits?

Berkshire Bank Cash Rewards American Express® Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Berkshire Bank Cash Rewards American Express® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Berkshire Bank Cash Rewards American Express® Card has lower than average purchase APRs.

Berkshire Bank Cash Rewards American Express® Card has a variable purchase APR that ranges from 11.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 23.99%. It also has a variable cash advance APR that ranges from 11.99% up to 23.99%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Berkshire Bank Cash Rewards American Express® Card have an introductory APR offer on balance transfers?

No, Berkshire Bank Cash Rewards American Express® Card does not come with an introductory APR offer for balance transfers.

Does Berkshire Bank Cash Rewards American Express® Card have an introductory APR offer on new purchases?

Berkshire Bank Cash Rewards American Express® Card does not offer an introductory rate on new purchases.

What are the fees for Berkshire Bank Cash Rewards American Express® Card?

The following fees apply to Berkshire Bank Cash Rewards American Express® Card:

Berkshire Bank Cash Rewards American Express® Card Fees
Fees Amount
Annual Fee Starting at $0 up to $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

Does Berkshire Bank Cash Rewards American Express® Card have a foreign transaction fee?

Berkshire Bank Cash Rewards American Express® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Berkshire Bank Cash Rewards American Express® Card report your account activity to credit bureaus?

Yes, Berkshire Bank Cash Rewards American Express® 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 Berkshire Bank Cash Rewards American Express® Card

  • Visit the Berkshire Bank Cash Rewards American Express® 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

  • Headquarters
  •   P.O. Box 9201
    Old Bethpage, NY 11804
  •   Visit Site

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Availability

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

Feature Breakdown

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $0 - $99
Minimum Interest Charge $2.00
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.99% - 23.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 23.99%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Variable APR) 11.99% - 23.99%
Balance Transfer Fee Minimum $5
Card Type
  • Rewards
  • Cashback
Card Network American Express

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