Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Bellwether Smart Cash Card review

Last updated:  

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.

$50

Welcome offer

Up to 1.5%

Cash back

$0

Annual fee

3.99%

Intro purchase APR

for the first 12 billing cycles (then 12.99% to 22.99% variable)

Details

Product NameBellwether Smart Cash Card
Card typeVisa
Annual fee$0
Purchase APR3.99% intro for the first 12 billing cycles (then 12.99% to 22.99% variable)
Balance transfer APR0% intro for the first 12 billing cycles (then 12.99% to 22.99% variable)
Balance transfer fee4%
Cash advance rate12.99% to 22.99% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Penalty APR24.99% variable
Foreign transaction fee2% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $35
Returned payment feeUp to $27

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

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 12.99% to 22.99% applies.
  • Intro APR period on balance transfers. Get 12 billing cycles of 0% intro APR period on balance transfers. Your rate reverts to 12.99% to 22.99% 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

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
loading

Compare up to 4 providers

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site