Purchase APR
12.99–23.24%
Annual fee
None
Foreign fee
2%
0% transfers · 12 mo
≤619620–719
Carrying $3k for a year ≈ $449.70
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56
Smart Rewards Card
Bellwether Community Credit Union
RegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
14.99–25.24%
Annual fee
None
0% intro
2.99%
0% transfer
12 mo
Foreign fee
2%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
24.12%
620–719
20.12%
720+
15.12%
Lowest offered14.99%
Median20.12%
Highest offered25.24%
Introductory purchase APR
Promotional window: 12 months
No score
—
≤619
—
620–719
2.99%
720+
2.99%
Lowest offered2.99%
Median—
Highest offered2.99%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
No score
—
≤619
—
620–719
0%
720+
0%
Lowest offered0%
Median—
Highest offered0%
Cash advance APR
No score
—
≤619
25.12%
620–719
20.12%
720+
15.12%
Lowest offered14.99%
Median—
Highest offered25.24%
Every fee on this card
Annual feeNone
Balance transfer fee4%
Cash advance feeCharged (amount not reported)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$27
Late fee policy: $27 or the amount of the required minimum payment, whichever is less. For 6 billing cycles, $35 or the amount of the required minimum payment, whichever is less.
Rewards, benefits and features
Rewards
- Other rewards
Services
- Automobile rental insurance
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Points program, 1/5% for every dollar spent, points may be used for travel, gift card purchases, select merchandise and retail
Who can get this card
AvailabilityRegional
StatesMA, NH
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
Geographic: Live or work in NH or Middlesex and Essex Counties in MA
Affiliation: Work for or retired from communication industry, provide services to Bellwether, Bellwether employees, family members of members
Phone866-996-9828
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 20.12% afterwards.
Cost to carry a balance
Interest for a year at 20.12%$603.60
Annual / periodic fees$0
Total yearly cost$603.60
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Bellwether Community Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
19.49–28.24%
Annual fee
$550
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $1,157.20 incl. $550 fee
Purchase APR
16.74–26.24%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $607.20
Purchase APR
18.24–21%
Annual fee
$49
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $656.20 incl. $49 fee