Berkshire Bank Business Card

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.

Berkshire Bank Smart Business Rewards

Our Rating

3.6/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

18 months

Reward Rate

No rewards

0% on Balance Transfers

18 months

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2% 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 APR17.24% to 26.24% (V) APR
Balance Transfers0% Intro APR for 18 months on balance transfers, then 17.24% to 26.24%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
Purchases0% Intro APR for 18 months on purchases, then 17.24% to 26.24% (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • 0% intro APR for 18 months
Cons
  • 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
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
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.6

Rewards Range

1.5%

Annual Fee

$0

Related Articles