This review is for the Berkshire Municipal Visa Platinum Card, one of five different unsecured and secured credit cards offered by the bank. The Visa Platinum is the most exclusive of the five cards, offering the lowest annual percentage rate and the highest available credit limit.
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Berkshire Municipal Bank Visa Platinum Card Details
The Berkshire Municipal Bank Visa Platinum Card offers a special introductory rate of 0% for the first year that you have the card open. In addition, any balance transfer made within the first billing cycles is also eligible for the 0% APR.
There is no annual fee for the Berkshire Municipal Bank Visa Platinum Card.
The regular purchase APR is a variable rate that fluctuates between 9.99% and 20.99% depending on the prime rate. The Cash Advance APR is 23.99%, and the fees for a late payment, a returned payment or going over your credit limit is $35 each.
Berkshire Municipal Bank Credit Card Options
As mentioned previously, there are five different credit cards available through Berkshire Municipal Bank. They include the Visa Platinum, Visa Signature, The College Rewards Visa, The Young Adult Visa, and the Secured Visa.
All of the cards offer different options. The Secured and Young Adult cards are for people looking to rebuild their credit and are unable to be approved for a traditional credit card. The Platinum and Signature cards are for people with established credit, while the College Rewards Card is only for a college student looking to establish credit in a responsible way.
Berkshire Municipal Bank Credit Card Benefits
Some of the benefits offered by Berkshire Municipal Bank include car rental insurance, access to millions of ATMs across the globe, the ability to double the manufacturer’s warranty of any item you purchase with the card, as well as 24-hour customer service and a zero-liability policy for any unauthorized purchases.
Berkshire Municipal Bank Credit Card Bottom Line
The Platinum Card for Berkshire Municipal Bank offers many great perks including a 0% APR for 12 months and the ability to transfer a balance with the same 0% rate. While the card is competitive and is only available to people with excellent credit, there are several other cards offered by Berkshire Municipal Bank.
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- Municipal Credit Union Visa Platinum Credit Card
- Municipal Credit Union Visa Secured Credit Card
- Municipal Credit Union Visa Classic Credit Card
- Municipal Credit Union Visa Gold Credit Card
- Greylock Federal Credit Union Visa Platinum Credit Card
- Freedom Credit Union Share Secured Visa Credit Card
- MECU of Baltimore Visa Gold Credit Card