Last Updated: 07/28/2025
SuperMoney User Recommendation Score -31
Mostly not recommended13 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
18.99% - 29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 08/14/2023)
Credit Score Range
600 - 850
Disclaimer popup with additional information
Annual Fee
$0
Disclaimer popup with additional information
Number of Reviews
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
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Best Egg Credit Card has a variable purchase APR that ranges from 18.99% up to 29.99%. Best Egg Credit Card does not offer balance transfers. 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. Best Egg Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Best Egg Credit Card is (855) 282-6353.
What is the support contact email for Best Egg Credit Card?
The support contact email for Best Egg Credit Card is info@marlettefunding.com.
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 to the following credit bureaus:
- 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 build your credit.
Does Best Egg, Inc. perform a hard credit pull?
Yes, Best Egg Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Best Egg Credit Card
- Visit the website of Best Egg Credit Card.
- 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
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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 10:00PM
Tuesday
8:00AM - 10:00PM
Wednesday
8:00AM - 10:00PM
Thursday
8:00AM - 10:00PM
Friday
8:00AM - 8:00PM
Saturday
9:00AM - 1:00PM
Other Services by Best Egg, Inc.
Personal Loans
26
5
11
42 Reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -31, or 2.4 on a 5-point rating scale.
-31
-1000+100
No one recommends
Everyone recommends
Best Egg Credit Card Community Reviews
Would you recommend Best Egg Credit Card to your friends?
James S.
May 1, 2024
May or may not recommend
Stay far away from these guys, on my statement there were charges I never made (it was definitely Best Egg's fault, because they were double charges in both instances, and not the vendors) and there where charges I actually made weeks before that didn't show up on my statement. I cancelled the card after my first month of use because I cannot deal with the uncertainty the account ...Show More
MJ
Michele J.
Aug 25, 2023
May or may not recommend
I just received this card a month ago. I made a purchase on 8/17 and paid it off in full on 8/20. It is 8/26 and it still has not been credited as available credit. The money came out of my bank on 8/21. This is very puzzling.
Mark T.
Feb 13, 2023
May or may not recommend
They take SEVEN days to apply payment after they take money out for your account. Avoid!
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
It is secure mobile wallet. Best egg credit card many benefits like easy setting control, instant messages alerts for security, no hidden charges or no annual fee. I recommended to use this beautiful easy gadget.
U
Anonymous
Oct 24, 2022
May or may not recommend
Paid account in full 8/30 charged interest Sept and Oct. Do not recommend
DG
Dennis G.
Oct 19, 2022
May or may not recommend
AVOID! Best Egg servers were down in September when I went to make my payment. Added on to my October payment was a $29 late fee that increased my due to $70+. However, September I emailed their customer service to verify the problem with trying to make that months payment and was told that the late fee was erased....it was not as of October 17. Now October 18 the late ...Show More
SW
Stephanie W.
Sep 30, 2022
May or may not recommend
Account was paid in full 4 days ago. I just received an email from Experian and Credit Karma advising a change to my credit report. Best Egg reports my account as delinquent. My bank AND the Best Egg website reflect as PAID. So I call...the representative said it takes 7 days to post. Wtf? YOUR SITE SAYS IT WAS POSTED 4 ...Show More
OE
O E.
Sep 26, 2022
May or may not recommend
It is easy to get this credit card as they approve for people with fair credit scores. They also do hard credit check so it does not affect your score.
FH
Fred H.
Sep 23, 2022
May or may not recommend
Best Egg's initial contact with me – years ago - was to offer a business/personal loan. There was a local office nearby me that invited me to come in to talk about my money needs. The personnel there were young and inexperienced males. They insisted on knowing lots of personal data and much paperwork along with IRS records. I knew this was not a company I wanted to do ...Show More
Sania A.
Sep 17, 2022
May or may not recommend
It is secure mobile wallet. Best egg credit card many benefits like easy setting control, instant messages alerts for security, no hidden charges or no annual fee. I recommended to use this beautiful easy gadget.
FM
Fathima M.
Aug 27, 2022
May or may not recommend
Best Egg Credit Card is my best buddy in all my international trips,since its zero fees for foreign transactions. I recommend for all the Travel buddies.
EM
Emelyne M.
Aug 23, 2022
May or may not recommend
I had a credit card from 11/21 to 4/22; even though I paid my balance in full every month, my transactions were declined many times. I closed the account in April 2022. On the suggestion of Credit Karma I re-applied & was approved. However, instead of setting me up with a new account, the old account was re-opened. Now, I'm unable to set my new account in. I have been ...Show More
DH
Denicki H.
Aug 18, 2022
May or may not recommend
The card is a basic card for beginners, and is really nice considering they don’t charge any annual fees. They also don’t do a hard credit check when looking at approval so it doesn’t impact your score
Showing 13 of 13 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
