Last Updated: 07/28/2025
Berkshire Bank Visa College Real Rewards Credit Card
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in Credit Cards from Berkshire Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.74% - 28.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.74% - 28.74%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Berkshire Bank Visa College Real Rewards Credit Card Review
This is a rewards card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Visa College Real Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter 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 6 months.
- Signup bonus. Offers a signup bonus of up to $25.
- Welcome offer. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.74% up to 28.74%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Berkshire Bank Visa College Real Rewards Credit 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 up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Berkshire Bank Visa College Credit Card
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Berkshire Bank Visa College Credit Card FAQ
Does Berkshire Bank Visa College Credit Card have a cash back or rewards program?
Berkshire Bank Visa College Credit Card is a rewards card.
| Description |
Does Berkshire Bank Visa College Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $25 . However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does Berkshire Bank Visa College Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Berkshire Bank Visa College Credit Card benefits?
Berkshire Bank Visa College Real Rewards Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Berkshire Bank Visa College Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Berkshire Bank Visa College Real Rewards Credit Card has a variable purchase APR that ranges from 18.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 28.74%. 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 Visa College Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.74% - 28.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Berkshire Bank Visa College Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Berkshire Bank Visa College Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Berkshire Bank Visa College Credit Card have a foreign transaction fee?
Berkshire Bank Visa College Credit Card charges a foreign transaction fee of up to 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 Visa College Credit Card?
The customer service number for Berkshire Bank Visa College Credit Card is (800) 773-5601.
What is the support contact email for Berkshire Bank Visa College Credit Card?
The support contact email for Berkshire Bank Visa College Credit Card is websupport@berkshirebank.com.
What is the login page for Berkshire Bank Visa College Credit Card?
You can access the login page of Berkshire Bank Visa College Credit Card here.
How do people rate the customer service and user experience of Berkshire Bank Visa College Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Berkshire Bank Visa College Real Rewards Credit Card report your account activity to credit bureaus?
Yes, Berkshire Bank Visa College Real Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Berkshire Bank perform a hard credit pull?
Yes, Berkshire Bank Visa College Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Berkshire Bank Visa College Credit Card
- Visit the website of Berkshire Bank Visa College Credit Card.
- 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.
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