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Best Egg Credit Card
in Credit Cards from Marlette Funding, LLC
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Best Egg Credit Card

Claimed
in Credit Cards from Marlette Funding, LLC
SuperMoney Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

3 users recommend
1 user is unsure
3 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 16.99% - 27.99%
Balance Transfer APR N/A
Credit Score Range 600 - 850
Annual Fee $0
Number of Reviews 7

Best Egg Credit Card Review

This is a cashback credit card issued by First Bank and Trust. If you're wondering whether Best Egg 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.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Best Egg Credit Card has a variable purchase APR that ranges from 16.99% up to 27.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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
  • 1% cash back with a promo offer of 0% APR for 6 Months on purchases, after that 16.99% to 29.99% based on your creditworthiness.
  • $0 Visa® Fraud Liability
  • No impact to your credit score if Best Egg is unable to approve you
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Free access to your credit score.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Best Egg Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.

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. 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.

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.

Best Egg Credit Card has a variable purchase APR that ranges from 16.99% up to 27.99%. It also has a variable cash advance APR of 19.99% .

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?

Best Egg 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 Best Egg Credit Card?

The following fees apply:

  • There is no overlimit fee
Best Egg Credit Card Fees
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 cashback 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 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: 0% for first 6 months, after that 16.99% - 27.99% based on creditworthiness. What APRs do you currently offer? Customers may be eligible for an Introductory APR of 0% on purchases for 6 or 12 months. 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.
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.

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Availability

  Available in 46 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • 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
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
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
Customer Type Personal
Minimum Age 18
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Free Credit Report
Bonus Offer 1% cash back with a promo offer of 0% APR for 6 Months on purchases, after that 16.99% to 29.99% based on your creditworthiness.
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 19.99%
Balance Computation Average Daily Balance (including new purchases),
Purchase APR (Variable APR) 16.99% - 27.99%
Balance Transfer Fee % 0%
Card Type
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

Best Egg Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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