NEA® RateSmart® Mastercard®


For People with
Fair Credit

REVIEWS

Reviews

The NEA RateSmart® Mastercard® is a decent credit card due to the long introductory APR periods for purchases and balance transfers, as well as the potential for a low regular APR.

Card Quick Facts

Card Quick Facts

  • No Annual Fee
  • $0 Liability Guarantee
  • Low Introductory APR

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 11.99%–21.99% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 0%
Late Fee Up to $38
Returned Payment Fee Up to $27
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months (must be made within 60 days of account opening)
Regular Balance Transfer APR 11.99%–21.99% Variable
Balance Transfer Fee 3%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 14.99%–21.99% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

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