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Best Egg Credit Card
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Chime secured Credit Builder Visa® Credit Card
19 reviews
| Community Rating | Mostly not recommended |
| Purchase APR (Variable APR) |
18.99% - 29.99% (Verified 02/03/2023)
|
| Balance Transfer APR (Variable APR) |
N/A (Verified 02/03/2023)
|
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 11 |
Best Egg Credit Card Review
This is a card issued by First Bank and Trust. If you're wondering whether Best Egg Credit Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 29.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Best Egg Credit Card
| The Good | The Bad |
|---|---|
|
|
Best Egg Credit Card FAQ
Does Best Egg Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Best Egg Credit Card benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Free Credit Report
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Best Egg 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.Best Egg Credit Card has a variable purchase APR that ranges from 18.99% up to 29.99%. It also has a variable cash advance APR that ranges from 18.99% up to 29.99%.
Does Best Egg Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Best Egg 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 Best Egg Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Best Egg Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Best Egg Credit Card?
The Best Egg Credit Card customer service number is (833) 707-1226.
What is the support contact email for Best Egg Credit Card?
The support contact email for Best Egg Credit Card is cardservicing@bestegg.com.
What is the Best Egg Credit Card login page?
You can access the Best Egg Credit Card login page here.
How do people rate the customer service and user experience of Best Egg Credit Card?
Overall, Best Egg Credit Card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Best Egg Credit Card report your account activity to credit bureaus?
Yes, Best Egg 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 Best Egg Credit Card
- Visit the Best Egg 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.
Best Egg Credit Card Disclosure:
How do I qualify for an Introductory APR?
You’ll know if you qualify for an Introductory APR on your Best Egg Credit Card because your offer will state what APR offers you could qualify for. After the promotional period ends, your standard APR for purchases will be based on your creditworthiness.
How long do Introductory APRs last?
Our current Introductory APRs last for 6 or 12 months based on the offer you may have received.
What happens if I miss a payment while on my Introductory APR?
If you feel as if you’re going to miss a payment, or you’ve already missed your due date, reach out to us at your earliest convenience. Missing a payment can result in a loss of your Introductory APR.
What happens to my balance once my Introductory APR Period ends?
When your Introductory APR expires, your standard APR applies to all purchases. Your existing balance with begin to accrue interest based on your standard APR the month after your Intro APR ends.
This is why we recommend paying off your balance each month, or at least before your Introductory APR expires, so you don’t have to pay more in interest.
Do I still have a minimum payment due during my Introductory APR Period?
If you have a balance on your account, yes, you will have a minimum payment due. Your minimum payment will be 1% of your new balance, which includes any past due amount if applicable, or $29 (whichever is greater).
Does my Introductory APR apply to all purchases?
Your Introductory APR applies to all purchases. Introductory APRs do not apply to cash advance.
How do I know when my Introductory APR ends?
Your Introductory APR will end either 6 or 12 months after you’ve been approved. Check your monthly statement for your Intro APR expiration date View Best Egg Credit Card's published terms & conditions.
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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
-
3419 Silverside Road
Wilmington, DE 19810 USA - (833) 707-1226
- Visit Site
- Email Support
Other Services by Marlette Funding, LLC
Availability
Available in 46 states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- 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
- Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
Best Egg Credit Card Community Reviews
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