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$0
Annual fee
1.99%
Intro purchase APR
for the first 12 billing cycles (then 8.99% to 18.99% variable)
0%
Intro balance transfer
for the first 12 billing cycles (then 8.99% to 18.99% variable)
8.99% to 18.99%
Balance transfer APR (variable)
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.
The Bellwether Smart Rate Card can help you build your credit, while paying relatively low-interest rates. There’s also a 0% balance transfer offer for the first 12 billing cycles, which can help you consolidate your debt. But other than that, there’s not much going for the card.
There are even better secured cards that can help you build credit and even earn rewards on your purchases. For example, with the Bank of America® Cash Rewards Secured you can earn up to 3% cash back on your purchases.
You can apply for the card in person at a bank branch or online. Here’s how:
For best chances of approval, apply with a fair credit score of 630 or higher.
The Bellwether Smart Rate Card Card offers potentially low-interest rates and a long 0% intro APR period on balance transfers, while helping you build credit at the same time. This isn’t bad, but you may get a better value with other credit-building cards.