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Bellwether Smart Cash Card review

Get 1.5% cash back and a 0% balance transfer offer, but not much else.

  • Get this card if you want a flat-rate rewards card with a balance transfer offer.
  • Pick something else if you want to earn higher rewards rates.
  • Apply with a good credit score of 670 or higher for best chances of approval.
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$50

Welcome offer

Up to 1.5%

Cash back

$0

Annual fee

3.99%

Intro purchase APR

for the first 12 billing cycles (then 13.24% to 23.24% variable)

Details

Annual fee$0
Welcome offer$50 after spending $1,000 in the first 90 days
Rewards1.5% cash back on all purchases
Purchase APR3.99% intro for the first 12 billing cycles (then 13.24% to 23.24% variable)
Balance transfer APR0% intro for the first 12 billing cycles (then 13.24% to 23.24% variable)
Minimum Credit Score670
IssuerVisa
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Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

Expert review

The Bellwether Smart Cash Card offers unlimited 1.5% cash back on all purchases. This isn’t bad, but it’s hard to keep up with competitor cards like the Chase Freedom Unlimited®, which earns 3% and 5% back on a variety of categories, and 1.5% back on everything else. Plus, the Chase card offers a much higher signup bonus.

The only benefit that keeps Bellwether Smart Cash Card competitive is its long 0% intro APR on balance transfers. This makes the card a valuable debt-consolidation tool.

All things considered, the Bellwether Smart Cash Card could be a good choice for anyone looking for a cashback card with a balance transfer offer. But if earning rewards is your priority, you can find better cashback cards elsewhere.

Bellwether Smart Cash Card benefits

  • Cash back. Earn 1.5% cash back on all purchases.
  • Signup bonus. Earn a $50 cash bonus after you spend $1,000 in your first 90 days of account opening. Not bad but not nearly enough to beat competitor cards that offer $150 and $200 cash bonuses.
  • Intro APR period on purchases. Get a 3.99% intro APR period on purchases during your first 12 billing cycles. After that, a variable APR of 13.24% to 23.24% applies.
  • Intro APR period on balance transfers. Get 12 billing cycles of 0% intro APR period on balance transfers. Your rate reverts to 13.24% to 23.24% variable after that.
  • No annual fee. There’s no annual fee to own the card.

What to watch out for

  • Balance transfer fees. You’ll notice a $0 balance transfer fee advertised on Bellwether’s website. However, this only applies after the 0% intro APR period has ended. During the 0% intro APR period, you’ll pay a 4% balance transfer fee.
  • Foreign transaction fees. Purchases made abroad or online with foreign retailers will cost you 2% of the amount.

How to apply for the Bellwether Smart Cash Card

You can apply for the Bellwether Smart Cash Card following these steps:

  1. Visit the BCCU website.
  2. Click Borrow at the top menu and select Bellwether VISA Cards.
  3. Find the Smart Cash Card and click Apply now.
  4. Fill out the application form.
  5. Review the application and submit.

What credit score do I need?

For the best chances of approval, apply with a good credit score of 670 or higher.

Compare cash back credit cards

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Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
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Capital One SavorOne Cash Rewards Credit Card
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn % cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
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Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Venmo Credit Card
N/A
3% cash back on your eligible top spend category, 2% back on your second top spend category and 1% on the rest
$0
A cashback credit card that lets you auto-purchase the crypto of your choice from your Venmo account.
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Bottom line

The Bellwether Smart Cash Card is a simple cashback card with a flat 1.5 cashback rate on all purchases and a long 0% intro APR period on balance transfers. Aside from that, this isn’t a very impressive credit card. Compare other cashback cards, which may offer a better value.

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