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  Berkshire Bank Visa Signature® Real Rewards Credit Card

Berkshire Bank Visa Signature® Real Rewards Credit Card

in Personal Credit Cards from Berkshire Bank

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Berkshire Bank Visa Signature® Real Rewards Credit Card

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in Personal Credit Cards from Berkshire Bank

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Highlights
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® Real Rewards Credit Card Review

Berkshire Bank Visa Signature® Real Rewards Credit Card is a cashback credit card issued by Berkshire Bank. If you're wondering whether Berkshire Bank Visa Signature® Real Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

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 $25.
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Berkshire Bank Visa Signature® Real Rewards 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 oods if your credit score is above650.
Berkshire Bank Visa Signature® Real Rewards Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Berkshire Bank Visa Signature® Real Rewards Credit Card is accepted.
  • Berkshire Bank Visa Signature® Real Rewards Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
Berkshire Bank Visa Signature® Real Rewards Credit Card FAQ

Is there a Berkshire Bank Visa Signature® Real Rewards Credit Card cash back or rewards program?

Berkshire Bank Visa Signature® Real Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Berkshire Bank Visa Signature® Real Rewards Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

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

Does Berkshire Bank Visa Signature® Real Rewards Credit Card have a signup bonus?

Yes, Berkshire Bank Visa Signature® Real Rewards Credit Card 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 Signature® Real Rewards Credit Card offer an annual loyalty bonus?

Berkshire Bank Visa Signature® Real Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Berkshire Bank Visa Signature® Real Rewards Credit Card benefits?

Berkshire Bank Visa Signature® 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 Signature® Real Rewards Credit 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 Signature® Real Rewards Credit Card has lower than average purchase APRs.

Berkshire Bank Visa Signature® Real Rewards Credit Card 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%.

Does Berkshire Bank Visa Signature® Real Rewards Credit Card have an introductory APR offer on balance transfers?

Yes, Berkshire Bank Visa Signature® Real Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Berkshire Bank Visa Signature® 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 14.49% - 23.49%
Balance Transfer Fee Minimum $5

Does Berkshire Bank Visa Signature® Real Rewards Credit Card have an introductory APR offer on new purchases?

Berkshire Bank Visa Signature® Real Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Berkshire Bank Visa Signature® Real Rewards Credit Card?

The following fees apply to Berkshire Bank Visa Signature® Real Rewards Credit Card:

  • There is no overlimit fee
Berkshire Bank Visa Signature® Real Rewards Credit Card Fees
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 Signature® Real Rewards Credit Card have a foreign transaction fee?

Berkshire Bank Visa Signature® Real Rewards 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 a foreign transaction fee.

Does Berkshire Bank Visa Signature® Real Rewards Credit Card report your account activity to credit bureaus?

Yes, Berkshire Bank Visa Signature® 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 Signature® Real Rewards Credit Card

  • Visit the Berkshire Bank Visa Signature® Real Rewards 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

  • Headquarters
  •   P.O. Box 9201
    Old Bethpage, NY 11804
  •   Visit Site

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1.5
Every Purchase (Points) Earn 1.5 points for every eligible net $1 you spend.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Retail
  • Every Purchase
Signup Bonus (points) 2,500
Signup Bonus Starting at $25
Cash Advance APR (Variable APR) 11.99% - 25.99%
Balance Computation “Average daily balance (including new purchases)”.
Purchase APR (Variable APR) 14.49% - 23.49%
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) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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