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  Berkshire Bank Visa College Real Rewards Credit Card
Berkshire Bank Visa College Real Rewards Credit Card
in Credit Cards from Berkshire Bank
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Berkshire Bank Visa College Real Rewards Credit Card

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in Credit Cards from Berkshire Bank
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Highlights
Purchase APR  (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
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 Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 6 months.
  • Signup bonus. Offers a signup bonus of up to $25.
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable 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.
  • 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 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Berkshire Bank Visa College Credit Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 18.74% up to 28.74%.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Berkshire Bank Visa College Real Rewards Credit Card is accepted.
  • Berkshire Bank Visa College Real Rewards Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee

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.

Berkshire Bank Visa College Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Starting at $25
Signup Bonus (Points/Miles) 2500

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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 up to 6 months.

Berkshire Bank Visa College Real Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 18.74% - 28.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Berkshire Bank Visa College Credit Card have an intro APR offer on new purchases?

Berkshire Bank Visa College Real Rewards Credit Card Purchase Intro Offer
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 up to 6 months.

What are the fees for Berkshire Bank Visa College Credit Card?

The following fees apply:

Berkshire Bank Visa College Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 3%
Returned Payment Fee Starting at $ up to $41
Late Payment Fee Starting at up to $41

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 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 Berkshire Bank Visa College Credit Card customer service number 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 Berkshire Bank Visa College Credit Card login page?

You can access the Berkshire Bank Visa College Credit Card login page 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 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 College Credit Card

  • Visit the Berkshire Bank Visa College Credit 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

Hours of Operation

  • Sunday All Day
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  • Saturday All Day

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Every Purchase
Signup Bonus (points) 2,500
Signup Bonus Starting at $25
Cash Advance APR (Variable APR) 30.24%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Zero Percent
Card Network Visa

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