| Rewards | There is no rewards program associated with this card |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 30.24?% (APR is subject to change) |
| Cash Advance Fee | $5 or 3%, whichever is greater, for check cash advances, $10 or 4% for cash advance and ATM cash advances, and $20 or 4% for cash equivalent advances |
| Late Payment Fee | Up to $41 |
| Purchases APR | 10.49% to 21.49%, depending on credit score (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Berkshire Bank Visa Platinum Credit Card is known as a straightforward, no-frills Visa card, primarily appealing to users who want a basic credit option without an annual fee or complicated rewards. Most users say it’s reliable for everyday purchases and widely accepted wherever Visa is, making it a safe choice for those who just need a simple credit line.
Many reviewers mentioned that they like the simplicity and predictability of the card — no confusing points programs, no hidden perks, just a straightforward card to manage credit. Some also appreciate that it’s linked to a traditional bank, which can make banking and payments feel more secure.
On the downside, users often note that it lacks rewards, cashback, or travel perks, and there’s little to no public information about a signup bonus. Customer service experiences are mixed, and some find account access or online features frustrating.
Personally, I think this card is best for people who just want a basic, reliable credit card without chasing rewards. If you’re looking for points, cashback, or special perks, you’ll probably find better value elsewhere. But for simplicity and a low-maintenance credit option, it gets the job done.
RATE THIS CREDIT CARD
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Disappointing from Day One
I opened this card hoping for straightforward credit building, but the APR feels sky high and rewards are nonexistent. Customer service was slow to resolve a billing question.
