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.

• 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.

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.

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

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%.

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 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.