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.

• 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.

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.

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

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.

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 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.