
Berkshire Bank Visa® Platinum Card
in Personal Credit Cards from Berkshire Bank
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Purchase APR (Variable APR) | 13.49% - 23.49% |
Balance Transfer APR (Variable APR) | 13.49% - 23.49% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Berkshire Bank Visa® Platinum Card Review
Berkshire Bank Visa® Platinum Card is a credit card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Visa® Platinum Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Competitive APRs. Berkshire Bank Visa® Platinum Card has a variable purchase APR that ranges from 13.49% up to 23.49%.
- 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.
- 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 stand a chance of qualifying if your credit score is not below 600.
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Is there a Berkshire Bank Visa® Platinum Card cash back or rewards program?
No, Berkshire Bank Visa® Platinum Card does not offer a rewards program.
What are the Berkshire Bank Visa® Platinum Card benefits?
Berkshire Bank Visa® Platinum Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Berkshire Bank Visa® Platinum 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 Visa® Platinum Card has lower than average purchase APRs.Berkshire Bank Visa® Platinum Card has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 23.49%. It also has a variable cash advance APR that ranges from 7.99% up to 25.99%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Berkshire Bank Visa® Platinum Card have an introductory APR offer on balance transfers?
Yes, Berkshire Bank Visa® Platinum Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | Starting at 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 13.49% - 23.49% |
Balance Transfer Fee Minimum | $5 |
Does Berkshire Bank Visa® Platinum Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
What are the fees for Berkshire Bank Visa® Platinum Card?
The following fees apply to Berkshire Bank Visa® Platinum Card:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Berkshire Bank Visa® Platinum Card have a foreign transaction fee?
Berkshire Bank Visa® Platinum 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 Visa® Platinum Card report your account activity to credit bureaus?
Yes, Berkshire Bank Visa® Platinum 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 Visa® Platinum Card
- Visit the Berkshire Bank Visa® Platinum 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
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P.O. Box 9201
Old Bethpage, NY 11804 - Visit Site
Other Services by Berkshire Bank

Availability
- 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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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