Belmont Bank & Trust CompanyClassic Credit CardRegistry illustration · issuer artwork unavailable
Classic Credit CardBelmont Bank & Trust Company · NM bank, FL · FDIC 58165
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer website
Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 10.74%–24.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | 10.74%–24.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 25.74% variableBelmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Minimum interest charge | $1.50Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Annual fee | Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 5% of the amount, minimum $10, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | 5% of the amount, minimum $10, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 3% of the amount, Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular | Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rate. Cash Advance variable APR: 25.74%. Annual Fee: None. Balance Transfer Fee either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee either $10 or 5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee: 3% of the US Dollar amount of the transaction. Late Payment Fee of up to $40. Minimum interest charged is $1.50. We may end any promotional (including introductory) APR(s) and apply the standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Variable APR of 10.74-24.74% on Purchases when you open your account and on Balance Transfers after the introductory period. Individual account rates are determined by credit score and credit history. Subject to credit approval and verification of information provided in your application. Variable APRs are accurate as of 06/01/2022, and are subject to change with the market based on the Prime Rat…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. Earn one Rewards Point (1% cash back) for each $1 spent on qualified purchases. The cash redemption value of each Reward Point is $0.01. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn one Rewards Point (1% cash back) for each $1 spent on qualified purchases. The cash redemption value of each Reward Point is $0.01. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash…”Belmont Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |