Earn 5,000 rewards points
upon opening a Cadence Bank Mastercard® credit card with rewards and spending $500 within the first 90 days.
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Steps to earn 5,000 rewards points:
- Apply for a teammate credit card
- Use the Invitation Number: BAW50
- Register for Credit Card Rewards
- Make purchases totaling $500 or more within the first 90 days
That’s it. Your rewards points will be added to your account within 60 days of meeting the criteria.
Credit Card Benefits
No annual fee
Enjoy the safety, security and convenience of Mastercard® with no annual fee.
Rewards that pay
Earn points for everyday purchases and redeem them for gift cards, air travel, vacations and more!
Contactless payments
With built-in security, contactless payments let you breeze through the checkout line when you're on the go.
See full comparison details
| Credit cards | Standard Mastercard® Apply Now |
Gold Mastercard® Apply Now |
Platinum Mastercard® Apply Now |
Mastercard® Student Card Find a location |
Secured Mastercard® Find a location |
|---|---|---|---|---|---|
| Minimum credit limit | $500 | $2,000 | $5,000 | $500 | $500 |
| Annual fee | $0 | $0 | $0 | $0 | $0 |
| Transaction fees | Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60) Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60) Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency |
Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60) Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60) Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency |
Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60) Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60) Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency |
Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60) Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60) Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency |
Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60) Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60) Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency |
| Over-the-credit-limit fee | $0 | $0 | $0 | $0 | $0 |
| Late payment fee/ Returned payment fee | Up to $35 | Up to $35 | Up to $35 | Up to $35 | Up to $35 |
| Introductory APR offer for purchases | 0% APR for six months. After that, you will be charged 19.65% variable APR.1 | 0% APR for six months. After that, you will be charged 16.65% variable APR.1 | 0% APR for six months. After that, you will be charged 14.65% variable APR.1 | N/A | 0% APR for six months. After that, you will be charged 13.65% variable APR.1 |
| APR for purchases | 19.40%1 This APR will vary with the market based on the Prime Rate. |
16.40%1 This APR will vary with the market based on the Prime Rate. |
14.40%1 This APR will vary with the market based on the Prime Rate. |
20.40%1 This APR will vary with the market based on the Prime Rate. |
13.40%1 This APR will vary with the market based on the Prime Rate. |
| APR for cash advances | 21%1 This APR will vary with the market based on the Prime Rate. |
21%1 This APR will vary with the market based on the Prime Rate. |
20.40%1 This APR will vary with the market based on the Prime Rate. |
21%1 This APR will vary with the market based on the Prime Rate. |
19.40%1 This APR will vary with the market based on the Prime Rate. |
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| Online account access | |
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| Overdraft protection available | |
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| ID Theft Resolution Services | |
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| Mastercard® Global Service | |
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| Bill pay available | |
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| Mobile wallet compatible | |
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1Purchase rate will not exceed 21.00% APR.
2Cash advance rate will not exceed 21.00% APR.
All credit cards and lines of credit are subject to approval. Interest rates are subject to change without notice. Certain conditions apply. This is not a commitment to lend or rate guarantee.
Credit Card Rewards
Earn points automatically
Earn points with every purchase of your credit card and watch the rewards stack up.
Redeem points online
Redeem your points online for gift cards, vacations and more!
Book travel seamlessly
Enjoy the flexibility of paying with your points, credit card or a combination of both.
Questions?
If you need assistance, please contact Teammate Banking by phone at 855-343-4795 or via email at [email protected].
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