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Garden State Community Bank American Express® Card Review

Garden State Community Bank American Express® Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
12 billing_cycles
Purchase Intro:
0% Fixed
12 billing_cycles
Purchase APR:
13.99% - 19.99% Variable
Annual Fee:
see more  

Credit Card Rate Information:

  Balance Transfer
  Cash Advance
 10.74 - 16.74
 10.74 - 16.74
  13.99% - 19.99% Variable
 13.99% - 19.99% Variable
 25.24% Variable
APR Floor:
Intro Rate:
 0% Fixed
 0% Fixed
Intro Period:
 12 billing_cycles
 12 billing_cycles

Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 This APR may be applied to your account if you make a late payment or make a payment that is returned.

Credit Card Fee Information:

Annual Fee:
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:
5% ($10 min. )  


Rebate Description:
 Earn 2% cash back on qualifying gas and grocery purchases and 1% on all other qualifying purchases.
Special Notes:
 APRs for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; After that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%; If your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 First Bankcard, a division of First National Bank of Omaha for Garden State Community Bank
General Correspondence Address:
Card Type:
 American Express
Card Class:
Card Category:
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

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BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
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Credit Needed: