Chicago Cubs® Credit Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:
None - Network: MasterCard
| Initial Bonus |
Base Earn |
Max Earn |
Earn / Redeem Limit |
- Earn 1 point per $1 in net retail purchases and redeem your points for game tickets, VIP access, autographed memorabilia and more .
- Earn 10,000 bonus points after qualifying transaction(s).
- Start redeeming for rewards at 2,500 points.
| Intro Rate |
Intro Period |
Regular Rate |
| Intro Rate0% | Intro Period12 months | Regular Rate12.99% - 20.99% | Balance Transfer Fee |
| Cash Advance Rate |
Cash Advance Fee |
- Free Total Security Protection against fraud and unauthorized use of your card.
- Use your credit card for optional overdraft protection on checking.
- Free online access to Online Banking service.
- Choose the MLB Credit Card that is customized for your team: Arizona Diamondbacks™, Atlanta Braves®, Baltimore Orioles®, Boston Red Sox®, Chicago Cubs®, Chicago White Sox®, Cincinnati Reds®, Cleveland Indians®, Colorado Rockies®, Detroit Tigers®, Florida Marlins®, Houston Astros®, Kansas City Royals™, Los Angeles Angels®, Los Angeles Dodgers®, Milwaukee Brewers®, Minnesota Twins®, New York Mets®, New York Yankees®, Oakland Athletics™, Philadelphia Phillies®, Pittsburgh Pirates®, San Diego Padres®, San Francisco Giants®, Seattle Mariners®, St. Louis Cardinals®, Tampa Bay Rays™, Texas Rangers™, Toronto Blue Jays™, Washington Nationals™.
- Max Late Fee:
$35 - Max Overlimit Fee:
None - Max Penalty APR:
29.99%
- Grace Period:
25 days - Online Response:
Yes - Foreign Transaction Fee:
3%
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The card information shown on this page was last updated: May 21st, 2012 at 10:10 EDT
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Chicago Cubs fans need all of the rewards they can get, considering how much heart break they’ve had to deal with over the years. But is the team’s co-branded credit card they way to get these rewards. I certainly get wanting to have a credit card bearing my favorite teams logo, but you do not want to sacrifice your card’s terms just for branding, especially when you consider the fact that you can put any picture you want on the front of any Capital One credit card. So, we have to figure out whether the Chicago Cubs Credit Card is competitive, branding aside. Starting with rewards, the Cubs Credit Card gives you 3% cash back on gas, 2% on groceries, and 1% cash back across all other purchases. That’s actually not too bad, especially in light of the fact that you get a 10% cash back bonus when you redeem your cash back into a Bank of America savings account (Bank of America issues the Cubs Rewards Card). Moving onto rates, the Chicago Cubs Rewards Credit Card offers 0% on purchases as well as balance transfers for 12 months. That’s not as good as you might think since cards are available that offer 0% for as long as 18 months. Besides, the Cubs Credit Card charges a 4% balance transfer fee, whereas most other cards only charge 3% and some don’t charge anything. Finally, the Cubs Rewards Credit Card requires good or excellent credit for approval and does not charge an annual fee. Ultimately, the Cubs Credit Card is decent and it wouldn’t be a bad choice for those looking for everyday rewards, particularly if you have a BofA savings account or can open one. Still, I would consider a few other cards before applying for the Cubs Card. The Blue Cash Everyday from Amex offers 3% at supermarkets, 2% at gas stations and department stores, and 1% on everything else. The Capital One Venture Card offers basically 2% cash back across all purchases if you redeem miles for anything travel-related. The Chase Sapphire Preferred also gives you an initial bonus worth $500-625. I would not get the Cubs Rewards Card if I want low rates. Instead, I’d go with the Chase Slate Card or the Discover More Card that offers 0% on purchases and transfers and does not charge an annual fee.