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  Century Bank of Massachusetts Visa Credit Card

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Century Bank of Massachusetts Visa Credit Card
in Credit Cards from Century Bank of Massachusetts

Not Currently Available

Century Bank of Massachusetts Visa Credit Card

in Credit Cards from Century Bank of Massachusetts
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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

Century Bank of Massachusetts Visa Credit Card Review

Century Bank of Massachusetts Visa Credit Card is no longer available to new customers on SuperMoney.

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This is a cashback credit card issued by Century Bank of Massachusetts. If you're wondering whether Century Bank of Massachusetts Visa Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of up to $150 if you spend $500 within 3 months.
  • Competitive APRs. Century Bank of Massachusetts Visa 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Century Bank of Massachusetts Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • 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 odds if your credit score is above 650.

Pros & Cons of Century Bank of Massachusetts Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 14.49% up to 23.49%.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Century Bank of Massachusetts Visa Credit Card is accepted.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Century Bank of Massachusetts Visa Credit Card FAQ

Does Century Bank of Massachusetts Visa Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Century Bank of Massachusetts Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $150
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Century Bank of Massachusetts Visa Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $500.

Does Century Bank of Massachusetts Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Century Bank of Massachusetts Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for Century Bank of Massachusetts Visa 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 lower than average regular APRs.

Century Bank of Massachusetts Visa 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 of 25.99% .

Does Century Bank of Massachusetts Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Century Bank of Massachusetts Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Century Bank of Massachusetts Visa Credit Card have an intro APR offer on new purchases?

Century Bank of Massachusetts Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Century Bank of Massachusetts Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Century Bank of Massachusetts Visa 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Century Bank of Massachusetts Visa Credit Card have a foreign transaction fee?

Century Bank of Massachusetts Visa 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 foreign transaction fees.

What is the customer service phone number for Century Bank of Massachusetts Visa Credit Card?

The Century Bank of Massachusetts Visa Credit Card customer service number is (866) 823-6887.

What is the support contact email for Century Bank of Massachusetts Visa Credit Card?

The support contact email for Century Bank of Massachusetts Visa Credit Card is socialwebteam@easternbank.com.

What is the Century Bank of Massachusetts Visa Credit Card login page?

You can access the Century Bank of Massachusetts Visa Credit Card login page here.

How do people rate the customer service and user experience of Century Bank of Massachusetts Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for Century Bank of Massachusetts Visa Credit Card

  • Visit the Century Bank of Massachusetts Visa 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

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 8:00am - 1:00pm

Other Services by Century Bank of Massachusetts

Availability

  Available in 1 state
Massachusetts
Availabile in all of Massachusetts

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $0
Minimum Interest Charge $2
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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 650 - 850
Credit Card Benefits
  • Fraud Liability
Rewards Rates
  • Every Purchase
Signup Bonus $150
Cash Advance APR (Variable APR) 25.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
Card Network Visa

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