Berkshire Bank Primor Secured Credit Cards

If you have bad or no credit history, access a credit line of $200 to $5,000 with Primor Secured Credit Cards.

Looking for a credit card but feel limited by your lower credit score? Primor Secured Credit Cards offer easy-to-meet eligibility criteria, a credit line from $200 to $5,000, and no credit score requirement. Applying for a Primor Secured Credit Card is simple, and you’re guaranteed approval* if your monthly income exceeds your monthly expenses by at least $100. These cards are a helpful solution for those with damaged or no credit history, because they report to all three nationwide credit bureaus, maximizing the chance that your new financial activity with improve your score.

Berkshire Bank does not charge any processing or application fees. After you apply, Berkshire Bank will process your information and approve you in minutes if you qualify.While interest rates are fixed and vary by card, the total you put down for your FDIC-Insured Savings Deposit will equal your credit limit.

Primor® Secured MasterCard Gold Card

Primor® Secured MasterCard Gold Card

Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more. *See application for additional details.

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!

    What types of Primor cards does Berkshire Bank offer?

    Primor Secured Credit Cards are issued by Berkshire Bank in Mercerville, New Jersey. The company is an FDIC member. Berkshire Bank issues four main Primor Secured Credit Cards:

    All Primor Secured Credit Cards charge a $29 fee for returned and late payments. And like most credit cards, these cards offer an interest-free payment period of up to 25 days. The minimum interest charge is $1.

    Because these cards are secured, you are required to put down a savings deposit that will become your credit line.

    How to apply for a Primor Secured Credit Card with Berkshire Bank

    The fast, easy application process begins by visiting Berkshire Bank’s website:

    1. Find the landing page for the Primor Secured Credit Card you want to apply for.
    2. Enter your personal information.
    3. Enter your Social Security number and income.

    Once you’ve completed your application, Berkshire Bank will contact you with a decision.

    Rates last updated April 29th, 2017
    APR for Purchases ( Purchase Rate ) Balance Transfer Rate (not intro) Annual fee
    Primor Secured Visa Classic Card
    Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.
    13.99% $39 p.a. Go to site More info
    Primor Secured Visa Gold Card
    Fast, easy application process. No processing or application fees!
    9.99 $49 p.a. Go to site More info
    Primor® Secured MasterCard Gold Card
    Low fixed interest rates with no penalty rate!
    9.99% $49 p.a. Go to site More info
    Primor® Secured MasterCard Classic Card
    Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more. *See application for additional details
    13.99% $39 p.a. Go to site More info
    Excent Secured Credit Card
    Secured Credit Card from $200-$5,000.
    13.99% $39 p.a. More info

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    What do I need to apply for a Primor Secured Credit Card?

    To apply for a Primor Secured Credit Card, you’ll need to provide:

    • Your full name and contact information, including email address.
    • Your date of birth and Social Security number

    *Approval Requirements

    • You are at least 18 years old (19 in Alabama and Nebraska; 21 in Mississippi).
    • You have no more than one open credit card with Berkshire Bank.
    • If you have an open credit card with Berkshire Bank, are current with the card’s payments and not over your credit limit.
    • If you have had a credit card with Berkshire Bank, your account has never been charged off.
    • Your monthly income is at least $100 higher than your monthly expenses

    Bottom line

    If you need a credit card but feel trapped by your credit score, a Primor Secured Credit Card could be a helpful solution. Berkshire Bank doesn’t require a credit check, and each Primor Card reports to three credit bureaus — a boon to your credit history.

    However, before you settle on a Primor Secured Credit Card, check out other secured credit cards in the industry.

    Frequently asked questions

    Do Primor Secured Credit Cards offer rewards?

    No, these cards do not offer reward or cash-back programs. Instead, they’re simple cards to help cardholders build credit.

    To get a Primor Secured Credit Card, will I need a savings account?

    Yes, you will need to open a personal savings deposit account to secure a credit line.

    What is the cash advance fee?

    For cash advances, you can expect to pay $5 or 5% of the transaction amount, whichever is greater.

    Can I use this card for balance transfers?

    No, these cards don’t allow for balance transfers.

    Can I increase my credit limit?

    Yes. To increase your credit limit, you’ll need to add funds in $50 increments to your security deposit. However, will also have to pay a $49 credit line increase fee.

    Is there a minimum credit score required for approval?

    The application process does not a require a credit check. You can be approved with bad, limited or no credit history.

    How much is the fee to get an additional card?

    Berkshire Bank’s replacement card fee is $29.

    What is the foreign transaction fee for the cards?

    The foreign transaction fee for Primor Secured Credit Cards is 3%.

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