Berkshire Bank Business Card
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The Berkshire Bank Business Card is designed for business owners who want to make a major purchase or pay down higher interest debt. There’s no other reason to get this card: it doesn’t have a welcome offer and there are no rewards. But if you need to set up a business and don’t want to pay interest, this card is a good bet. Note that this card is only available in Massachusetts, Connecticut, Vermont, New York, and Rhode Island and that you have to go to a branch to apply. We dive into the details and your approval odds in this Berkshire Business Card review.
Our Rating
3.6/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
18 months
Reward Rate
No rewards
0% Intro on Balance Transfers
18 months
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency |
| Regular APR | 17.24% to 26.24% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 17.24% to 26.24%(V) APR after that. |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
| Purchases | 0% Intro APR for 18 months on purchases, then 17.24% to 26.24% (V) APR after that. |
Pros & Cons
- No annual fee
- 0% intro APR for 18 months
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
- Geographically limited
What Are the Best Alternatives?
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0