Berkshire Bank Secured Visa® Card
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| Purchase APR (Variable APR) |
28.24% (Verified 01/02/2023) |
| Balance Transfer APR (Variable APR) |
28.24% (Verified 01/02/2023) |
| Credit Score Range | 300 - 550 |
| Annual Fee | $0 |
Berkshire Bank Secured Visa® Card Review
This is a secured credit card card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Secured Visa® Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.24%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Berkshire Bank Secured Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- 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 Berkshire Bank Secured Visa® Card
| The Good | The Bad |
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Berkshire Bank Secured Visa® Card FAQ
Does Berkshire Bank Secured Visa® Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Berkshire Bank Secured Visa® Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Berkshire Bank Secured Visa® 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 higher than average regular APRs.Berkshire Bank Secured Visa® Card has a variable purchase APR of 28.24%. The card has a variable balance transfer APR of 28.24% . It also has a variable cash advance APR of 30.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Berkshire Bank Secured Visa® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Berkshire Bank Secured Visa® 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 Berkshire Bank Secured Visa® Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Berkshire Bank Secured Visa® Card have a foreign transaction fee?
Berkshire Bank Secured Visa® 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 foreign transaction fees.What is the customer service phone number for Berkshire Bank Secured Visa® Card?
The Berkshire Bank Secured Visa® Card customer service number is (800) 773-5601.
What is the support contact email for Berkshire Bank Secured Visa® Card?
The support contact email for Berkshire Bank Secured Visa® Card is websupport@berkshirebank.com.
What is the Berkshire Bank Secured Visa® Card login page?
You can access the Berkshire Bank Secured Visa® Card login page here.
How do people rate the customer service and user experience of Berkshire Bank Secured Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Berkshire Bank Secured Visa® Card report your account activity to credit bureaus?
Yes, Berkshire Bank Secured Visa® 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 Secured Visa® Card
- Visit the Berkshire Bank Secured Visa® 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.
Contact
- Headquarters
-
P.O. Box 9201
Old Bethpage, NY 11804 USA - (800) 773-5601
- Visit Site
- Email Support
Other Services by Berkshire Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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