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  Century Bank of Massachusetts Visa Max Cash Preferred Credit Card

Century Bank of Massachusetts Visa Max Cash Preferred Credit Card

in Personal Credit Cards from Century Bank of Massachusetts

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Century Bank of Massachusetts Visa Max Cash Preferred Credit Card

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in Personal 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 Max Cash Preferred Credit Card Review

Century Bank of Massachusetts Visa Max Cash Preferred Credit Card is a cashback credit card issued by Century Bank of Massachusetts. If you're wondering whether Century Bank of Massachusetts Visa Max Cash Preferred Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

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 $150 if you spend $500 within 3 months.
  • Competitive APRs. Century Bank of Massachusetts Visa Max Cash Preferred 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.
  • 3% Balance transfer fee. Century Bank of Massachusetts Visa Max Cash Preferred 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 oods if your credit score is above650.
Century Bank of Massachusetts Visa Max Cash Preferred Credit Card Pros & Cons
The Good The Bad
  • 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.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Century Bank of Massachusetts Visa Max Cash Preferred 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 Max Cash Preferred Credit Card FAQ

Is there a Century Bank of Massachusetts Visa Max Cash Preferred Credit Card cash back or rewards program?

Century Bank of Massachusetts Visa Max Cash Preferred Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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

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

Yes, Century Bank of Massachusetts Visa Max Cash Preferred Credit Card offers card users a signup bonus worth up to $150 after spending $500.

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

Century Bank of Massachusetts Visa Max Cash Preferred Credit Card doesn't offer a cash loyalty bonus.

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

Century Bank of Massachusetts Visa Max Cash Preferred Credit Card provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for Century Bank of Massachusetts Visa Max Cash Preferred 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. Century Bank of Massachusetts Visa Max Cash Preferred Credit Card has lower than average purchase APRs.

Century Bank of Massachusetts Visa Max Cash Preferred 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 Max Cash Preferred Credit Card have an introductory APR offer on balance transfers?

Yes, Century Bank of Massachusetts Visa Max Cash Preferred Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Century Bank of Massachusetts Visa Max Cash Preferred 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 Max Cash Preferred Credit Card have an introductory APR offer on new purchases?

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

This card does offer an introductory 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 Max Cash Preferred Credit Card?

The following fees apply to Century Bank of Massachusetts Visa Max Cash Preferred Credit Card:

  • There is no overlimit fee
Century Bank of Massachusetts Visa Max Cash Preferred 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 Century Bank of Massachusetts Visa Max Cash Preferred Credit Card have a foreign transaction fee?

Century Bank of Massachusetts Visa Max Cash Preferred 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 a foreign transaction fee.

How to apply for Century Bank of Massachusetts Visa Max Cash Preferred Credit Card

  • Visit the Century Bank of Massachusetts Visa Max Cash Preferred 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.

Availability

  Available in 1 state
Massachusetts
Availabile in all of Massachusetts

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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%
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
  • Bonus Offers
  • Gas
Card Network Visa

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