Berkshire Bank Secured Visa Card

Card Details
Rewards	N/A
Signup Bonus	N/A
Annual Fee	None.
Cardmember Agreement	View Here
Cash Advance APR	N/A
Cash Advance Fee	N/A
Late Payment Fee	Up to $29
Purchases APR	N/A
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Berkshire Bank Secured Visa Card is best known as a straightforward credit-builder with few frills. There’s no flashy cash-back structure, no travel perks, and no big intro bonus—just a traditional secured card designed to help people establish or repair credit.

Most users say they appreciate how simple and predictable it is. Many reviewers mentioned easy approval with a security deposit, steady reporting to credit bureaus, and decent customer service when issues come up. For people just starting out, that reliability is the main selling point.

On the downside, users often complain about the lack of rewards, limited transparency around fees and APRs, and the fact that it doesn’t stand out from newer secured cards that now offer cashback. Some also find the annual fee frustrating.

Personally, I think this card works best for someone who wants a basic, no-distractions way to build credit with a traditional regional bank—but if you’re hoping for rewards or perks, better options are out there.