Berkshire Bank Visa Signature® Max Cash Preferred Credit Card
in Personal Credit Cards from Berkshire Bank
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in Personal Credit Cards from Berkshire Bank
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| Purchase APR (Variable APR) | 14.49% - 23.49% |
| Balance Transfer APR (Variable APR) | 14.49% - 23.49% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Berkshire Bank Visa Signature® Max Cash Preferred Credit Card Review
This is a cashback credit card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Visa Signature® Max Cash Preferred Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
- Competitive APRs. Berkshire Bank Visa Signature® Max Cash Preferred Credit Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, 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 will have good approval odds if your credit score is above 650.
| The Good | The Bad |
|---|---|
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Does Berkshire Bank Visa Signature® Max Cash Preferred Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.
| Minimum rewards rate | 1x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $150 |
| Signup Bonus Spend Requirement | $500 |
| Signup Bonus Spend Period (months) | 3 months |
Does Berkshire Bank Visa Signature® Max Cash Preferred Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $150 after spending $500.
Does Berkshire Bank Visa Signature® Max Cash Preferred Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Berkshire Bank Visa Signature® Max Cash Preferred 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 Signature® Max Cash Preferred 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. It has lower than average regular APRs.It has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR that ranges from 11.99% 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 Signature® Max Cash Preferred 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 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 14.49% - 23.49% |
| Balance Transfer Fee Minimum | $5 |
Does Berkshire Bank Visa Signature® Max Cash Preferred Credit 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 Visa Signature® Max Cash Preferred Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Berkshire Bank Visa Signature® Max Cash Preferred Credit Card have a foreign transaction fee?
Berkshire Bank Visa Signature® Max Cash Preferred 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 Signature® Max Cash Preferred Credit Card?
The Berkshire Bank Visa Signature® Max Cash Preferred Credit Card customer service number is (800) 773-5601.
Does Berkshire Bank Visa Signature® Max Cash Preferred Credit Card report your account activity to credit bureaus?
Yes, Berkshire Bank Visa Signature® Max Cash Preferred 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 Signature® Max Cash Preferred Credit Card
- Visit the Berkshire Bank Visa Signature® Max Cash Preferred 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.
Contact
- Headquarters
-
P.O. Box 9201
Old Bethpage, NY 11804 - (800) 773-5601
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 4% - 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
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