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Best Egg Credit Card Reviews: Is It Any Good? (2022) | SuperMoney

Best Egg Credit Card Review · 0% APR on purchases for the first six months, after that 14.99% to 29.99% based on your creditworthiness. · $0 Visa® Fraud Liability 
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Video Best egg credit card reviews

Best Egg Credit Card Review

This is a credit card issued by First Bank and Trust. If you’re wondering whether Best Egg Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Best Egg Credit Card has a variable purchase APR that ranges from 14.99% up to 29.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don’t have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Best Egg Credit Card

The Good The Bad

  • 0% APR on purchases for the first six months, after that 14.99% to 29.99% based on your creditworthiness.
  • $0 Visa® Fraud Liability
  • No impact to your credit score if Best Egg is unable to approve you
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Free access to your credit score.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Best Egg Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don’t earn rewards on every purchase.

Best Egg Credit Card FAQ

Does Best Egg Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Best Egg Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Free Credit Report
  • Reports to major credit bureaus

What are the relevant APRs for Best Egg Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Best Egg Credit Card has a variable purchase APR that ranges from 14.99% up to 29.99%. It also has a variable cash advance APR of 19.99% .

What are the fees for Best Egg Credit Card?

The following fees apply:

  • There is no overlimit fee

Best Egg Credit Card Fees Fees Amount Annual Fee $0 Overlimit Fee $0 Foreign Transaction Fee 0% Returned Payment Fee up to $39 Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Best Egg Credit Card report your account activity to credit bureaus?

Yes, Best Egg Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Best Egg Credit Card

  • Visit the Best Egg Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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