Burt Brothers Credit Cards Reviews, Benefits, and How to Apply 2023

Burt Brothers credit cards have become increasingly popular due to their generous rewards programs and flexibility. In this comprehensive guide, we’ll explore Burt Brothers credit cards’ features, benefits, drawbacks, and application process so you can decide if one is right for you.

Overview of Burt Brothers Credit Cards

Burt Brothers offers two different credit cards: the Burt Brothers Rewards Credit Card and the Burt Brothers Premier Credit Card. Both cards have no annual fee and offer benefits like:

  • Cash back rewards on all purchases
  • 0% intro APR on purchases and balance transfers
  • No foreign transaction fees

The main differences between the two Burt Brothers cards are the reward structures and included perks. The Rewards card offers 5% cash back on rotating quarterly categories, 2% back at grocery stores and gas stations, and 1% back on all other purchases.

The Premier card offers 3% cash back on travel and dining, 2% back at grocery stores and gas stations, and 1% back on everything else. The Premier also includes more benefits like airport lounge access, rental car insurance, and higher credit limits.

Both Burt Brothers cards are issued by major banks, so they can be used anywhere that accepts their payment network. Let’s take a deeper look at the rewards programs and features of each card.

Burt Brothers Rewards Card Benefits

The Burt Brothers Rewards Card is a straightforward cash-back credit card. Here are some of the main benefits:

5% Cash Back Rotating Categories – Each quarter you can earn 5% cash back on up to $1,500 in combined purchases in categories like gas, online shopping, dining, and more. Just activate the bonus category each quarter.

2% Cash Back at Grocery Stores & Gas Stations – Earn an unlimited 2% cash back at grocery stores and gas stations on all purchases. Great for everyday spending.

1% Cash Back on Other Purchases – All other purchases earn an unlimited 1% cash back.

Cash Back Redemption Options – Cashback can be redeemed for a deposit into a Burt Brothers checking or savings account, a statement credit, gift cards, and more. There’s no minimum redemption amount.

No Annual Fee – There’s no annual fee to use the card so the cash-back earnings are pure profit.

0% Intro APR on Purchases – Enjoy a 0% Intro APR for the first 12 months on purchases, giving you extra time to pay off big purchases interest-free.

For a no-frills cash-back card, the Burt Brothers Rewards Credit Card delivers generous rewards on daily purchases without charging an annual fee. The 5% rotating categories provide great bonus cashback opportunities.

Burt Brothers Premier Card Benefits

The Burt Brothers Premier Card offers premium travel benefits and rewards for frequent travelers. Here are some of the key features:

3% Cash Back on Travel & Dining – Earn an unlimited 3% cash back on all travel and dining purchases worldwide. Includes airfare, hotels, rental cars, taxis, restaurants, cafes, and more.

Airport Lounge Access – Get complimentary access to over 1,300 airport lounges worldwide through Priority Pass Select membership. Relax before flights and enjoy free food, drinks, Wi-Fi, etc.

Global Entry/TSA PreCheck Credit – Receive a statement credit for the application fee every 4 years for Global Entry or TSA PreCheck. Speed through airport security and immigration.

Rental Car Insurance – When renting cars paid for with the card, you get complimentary rental car insurance, saving on costly premiums.

2% Cash Back at Grocery Stores & Gas Stations – All grocery store and gas station purchases earn an unlimited 2% cash back.

1% Cash Back on Other Purchases – Earn 1% cash back on all other purchases with no limits.

No Foreign Transaction Fees – Use the card overseas with no foreign transaction fees on purchases.

For frequent travelers, the Burt Brothers Premier Card offers an exceptional lineup of premium benefits that more than offset the $95 annual fee. The 3% cash back on travel and dining provides major savings.

How to Apply for a Burt Brothers Credit Card

Applying for a Burt Brothers credit card is easy and can be done online in minutes. Here is the basic application process:

  1. Go to the Burt Brothers credit cards website and click “Apply Now” on the card you want. This will take you to the secure online application.
  2. Enter your personal information like name, address, date of birth, and Social Security Number so your identity can be verified.
  3. Provide your income, employment details, and housing payment information so your creditworthiness can be evaluated.
  4. Read the terms and conditions, then electronically sign and apply.
  5. In most cases, you will instantly receive a decision on whether you have been approved for the card. This decision is based on factors like your credit score, income, and current debt.
  6. If approved, you should receive your new Burt Brothers credit card within 7-10 business days. Activate it upon receipt and you can begin using your new card immediately.

The entire application process can be completed online in around 5-10 minutes. Be sure to provide accurate information on the application. After approval, use the card responsibly by paying balances in full each month if possible.

Burt Brothers Credit Card Login and Account Management

Once you are a cardholder, you can manage your Burt Brothers credit card account online or via the mobile app. Here are some of the key features for account management:

  • Online Account Access– On the Burt Brothers website, login to your account dashboard using your username and password. Here you can view your statement, make payments, check your rewards balance, redeem cash back, and more.
  • Mobile App– Download the Burt Brothers app to your iOS or Android device. You can quickly pay your bill, track spending, get account alerts, access rewards, and manage the card on the go.
  • Paperless Statements– Opt-in to paperless billing by going paper-free. You’ll receive account statements digitally each month by email.
  • Account Alerts– Set up customized account alerts to monitor for suspicious activity, low balances, due dates, and other notifications via email or text.
  • Payment Options– Make online payments directly from a bank account for free. Or use options like PayPal, Venmo, Apple Pay, and more.
  • Customer Service– Contact customer service by calling the number on the back of your card or through live chat online if you need account assistance.

Properly managing your account will help maximize rewards earnings and benefits. Be sure to login and check your account frequently to keep on top of payments, balances, and cash back.

Who Should Get a Burt Brothers Credit Card?

Burt Brothers credit cards are suitable for a wide range of consumers given the flexible rewards programs, lack of annual fees, and other solid features. Here are some of the types of cardholders who could benefit most:

  • Frequent travelers who want to maximize rewards on hotels, flights, and dining. The Premier card’s 3% travel cash back and lounge access are very valuable.
  • Grocery shoppers who want to earn bonus rewards at supermarkets. Both cards offer 2% cash back at grocery stores.
  • Gas drivers who fuel up often. The 2% cash back at gas stations can add up quickly.
  • Dining out enthusiasts who eat at restaurants regularly. You can earn up to 3% back on dining.
  • Responsible credit users who pay balances off monthly and avoid interest fees. Those with good credit (660 FICO or higher) are more likely to be approved.
  • People who want simple cash back without having to worry about points or mileage redemptions. Cash rewards are the easiest.
  • Consumers looking for a card with no annual fee. Avoid fees while still earning cash back.

For almost any lifestyle, a Burt Brothers card can provide value through generous ongoing rewards. Maximize category bonuses by using the card for applicable purchases.

Burt Brothers Credit Cards Pros and Cons

It’s important to weigh the positive and negative aspects before applying for a credit card. Here are the key pros and cons of Burt Brothers credit cards:


  • No annual fee
  • Lucrative category-based cash-back rewards
  • Generous welcome bonuses
  • 0% intro APR offer on purchases
  • No foreign transaction fees (Premier Card only)
  • Premium travel benefits (Premier Card only)
  • Easy to redeem cash back

Potential Cons

  • Cashback caps on rotating 5% categories
  • Mixed reviews on customer service
  • High APR of 25.99% on purchases and balance transfers after the intro period ends
  • Cash advance fee and penalty APR
  • 3% foreign transaction fee (Rewards Card)

For most users who pay their bills on time and take advantage of rewards categories, the pros should outweigh the cons. But review both carefully before applying.

Burt Brothers Credit Card Alternatives

Although Burt Brothers cards offer great benefits, they aren’t the only options. Here are a few comparable alternatives to consider:

  • Chase Freedom Flex – Also offers 5% rotating quarterly categories and 3% back on dining. $0 annual fee.
  • Citi Double Cash – Flat 2% back on all purchases (1% when you buy, 1% when you pay). No annual fee.
  • Capital One SavorOne – 3% cash back on dining, entertainment, popular streaming services, and grocery stores (up to $500/month). $0 annual fee.
  • Wells Fargo Active Cash Card – Unlimited 2% cash rewards on purchases. $0 annual fee.
  • Bank of America Customized Cash Rewards – Choose a 3% cash back category (gas, online shopping, dining, etc). $0 annual fee.

Compare all features and reward structures closely to determine which card best fits your spending habits and needs. Also, consider cards that offer welcome bonuses to new cardholders.

Frequently Asked Questions About Burt Brothers Credit Cards

Here are answers to some of the most commonly asked questions about Burt Brothers credit cards:

What is the minimum credit score needed to be approved?

You generally need good to excellent credit, or a FICO score of 660 or higher, to qualify. However, approvals are based on many factors. Those with lower scores may still be approved.

Are there any fees besides interest charges?

The cards have no annual fee. But there are fees like the up to $40 late fee, up to $40 returned payment fee, and a 3% foreign transaction fee on the Rewards Card.

How long do the intro 0% APR periods last?

The 0% intro APR on purchases lasts for 12 months from account opening. The 0% APR for balance transfers lasts for 15 months. These are subject to change.

What credit bureau does Burt Brothers use?

They mainly check your credit report and FICO score from Equifax when making decisions. But might also review TransUnion or Experian records.

Can you product change between Burt Brothers credit cards?

Yes, existing cardholders can request to product change their Burt Brothers card to the Rewards or Premier version after the first year.

Should You Get a Burt Brothers Credit Card?

Burt Brothers credit cards present a compelling option if you want to earn unlimited cash back without paying an annual fee. The 5% rotating categories on the Rewards Card provide opportunities to rack up cash back through bonus category spending each quarter.

The Premier Card’s 3% back on travel and dining combined with lounge access, Global Entry credit, and other premium perks make it a powerful choice for frequent travelers. Evaluate your spending habits to determine which card aligns best.

Be sure to also consider welcome bonus offers, which allow you to earn a large lump sum of cash back when meeting minimum spending requirements within a certain period of opening the account. If used wisely and paid off each month, a Burt Brothers credit card can provide ongoing savings and rewards.


Burt Brothers credit cards offer great cash-back rewards programs without charging annual fees. The rotating 5% categories on the Rewards Card and 3% travel rewards on the Premier Card make them stand out for anyone who spends heavily in those categories.

Be sure to compare all the features and benefits closely to other comparable credit cards. Look at factors like rates and fees, credit requirements, and rewards redemption when deciding on the best card for your wallet. Apply online in just a few minutes.

If used responsibly through actions like paying bills on time and in full each month, a Burt Brothers card can provide generous earnings through cash-back rewards. Just be cautious of the high-interest rates by not carrying balances. Take advantage of the intro 0% APR period on purchases when you first get the card as well.

Overall, Burt Brothers credit cards deserve strong consideration for anyone looking for flexible, easy-to-learn cash back on daily purchases. The rewards programs rival other top credit cards. Apply for a Burt Brothers card to start earning cash back and saving on all your spending.

Leave a Comment