RateHerald

Our illustration, not the card’s design

Blue Ridge Bank, National Association credit card

Edge Consumer

No annual fee. $100 USD after you spend $1,000 in 3 months. Purchase APR 17.49–23.49%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Blue Ridge Bank, National Association’s terms

Welcome offer

$100 cash

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Spend $1,000 in qualifying purchases within the first 90 days of account opening. The document describes the $100 as a statement credit in most places but says it is automatically credited as redeemable points in the How It Works section; the FAQ says it is credited to the first statement after the 90-day mark (4th statement).

  • Smaller than about 90% of the 48 other cash bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$100$0
Typical spender$100$0
Heavy spender$100$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$0a year

$100 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 85% of the 163 cards on our Sign-up bonuses list (see the list).

Other cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • Streaming service sign-up credit: $25 one time
  • Baggage
  • Trip cancellation
  • Cell phone
  • Extended warranty
All 8 benefits
  • Price protection
  • Emergency assistance
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 2.5%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
17.49–23.49% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
0% for 12 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
$100 cash back after $1,000 in purchases in 3 months. · mybrb.bank, since Nov 1, 2026
Read the card agreement

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