Find the perfect card for you
BHG Money offers credit cards designed to fit all your personal needs
BHG WORLD Mastercard®
Intro Offer
Earn a $300 cash back bonus with $5,000 spend in first 90 days3
BHG WORLD Mastercard®
Take on the world with the help of your Travel and Lifestyle Concierge, while earning 3% cash back every time you dine out1, 2
  • Annual Fee: $195 (waived first year)
  • Intro APR: 0% for 6 months on balance transfer made in the first 60 days—after that, a variable APR of 16.99% to 26.99% will apply based on creditworthiness
  • Cash Back: Up to 3% on select purchases1, 2
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BHG MORE Mastercard®
Intro Offer
Earn a $50 cash back bonus with $1,000 spend in the first 90 days3
BHG MORE Mastercard®
Benefit more from your everyday spending with up to 2% cash back.1, 2
  • Annual fee: None
  • Intro APR: 0% for 12 months on balance transfers made in the first 60 days—after that, a variable APR of 16.99% to 26.99% will apply based on creditworthiness
  • Cash Back: up to 2% on select purchases1, 2
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BHG POWER Mastercard®
BHG POWER Mastercard®
Transfer balances from your high interest earning cards
  • Annual Fee: None*
  • Intro APR: 0%* on purchases and balance transfers for 6 months—after that, a variable APR of 12.99% to 22.99% will apply based on creditworthiness
  • Low Monthly Payments: Our lowest APR card after your introductory period
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Understanding Personal Credit Cards

  • What is a personal credit card?
    A personal credit card is a way to pay for products and services using “credit” or a set sum of money provided by a lender. As the card owner, you will be responsible for paying the money back and any fees, rates, or other items required.
  • What should I look for in a personal credit card?
    When looking for a personal credit card, it is important to consider the annual rates and any benefits or perks that will work with your life and goals. Cash back can also be a great feature. Consider your personal spending habits, goals, and what is most applicable to your situation and lifestyle.
  • What is a good interest rate for personal credit cards?
    The interest rate you get will depend on the market at the time and your credit score and history. But don’t let an interest rate scare you away from a good credit card. Interest rates are only part of the equation. There are also annual fees, perks, how variable your interest rate will be, and any payback terms. Each of these should be considered and not just whether a credit card interest rate appears to be good.
  • Can I share a personal credit card account with my spouse?
    You are able to add authorized users to your account, including your spouse. Please remember that you are solely responsible for any charges made on your card.
  • How do I choose a personal credit card?
    Choose the card that best meets your needs. Think through what expenses you have and your spending patterns. Do you need to make any large purchases? Also, evaluate which benefits and features make sense for you. Are you looking for cash back? Do you need to transfer balances from another card? Will you need Travel Services? These factors go into the decision when choosing the best card for you.
  • What is the best personal credit card?
    The best personal credit card is the one that gives you the flexibility to buy what you need, pay back the amount on terms you can afford, and has benefits that will help you do more to achieve your goals.

1We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 point per dollar spent as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back rewards.

2For BHG MORE Mastercard, 2% cash back per $1 spent on gas, groceries, charitable and social service organizations; and 1% cash back per $1 spent on all other purchases. For BHG WORLD Mastercard, 3% cash back per $1 spent on dining and charitable and social service organizations; 2% cash back per $1 spent on travel: airlines, hotels, Uber and Lyft; and 1% cash back per $1 spent on all other purchases. Rewards are earned as points that can be redeemed for cash back in the form of a statement credit. For details on the Rewards Program, please see the Rewards Program Agreement. Rewards options are subject to change without notice.

3The Rewards Bonus period begins on the date your account is approved and ends 90 days later.

Subject to credit approval. Ask for details.

The BHG Mastercard® is issued by Blue Ridge Bank, N.A. pursuant to a license by Mastercard International. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.