Blue Ridge Bank, National AssociationChecked Oct 4, 2026

Edge Consumer

$100 cash back after you spend $1,000 in 3 months. No annual fee.

Welcome offer: Issuer's pagemybrb.bank
“$100”
Checked Oct 4, 2026Open on mybrb.bank Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

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.
Spending	First year	After
Light spender	$305	$205
Typical spender	$605	$505
Heavy spender	$1,120	$1,020

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Worth more to a typical spender than about 95% of the 650 cards we track.
Lower top APR than about 85% of the 128 cards on our Sign-up bonuses list (see the list).

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

Welcome offer

$100 cash

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

The welcome bonus is fulfilled as points and may be redeemed for cash back or other items described on the current program website.

Spending it takes$333 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

How you earn · Rewards Terms for Summit and Edge Consumer

4× pointsFull-service restaurants, cafes, cafeterias, and fast-food restaurants
2× pointsGas stations, in-store and at the pump
2× pointsUtilities
2× pointsGroceries
1× pointsEverything else

Rates and fees

Rates and fees for the Edge Consumer, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem variable
Intro APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem 12 months
Balance transfer APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Balance transfer fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Late payment	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Grace period	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Minimum interest charge	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

Carrying a balance? See how long it takes to pay off

Benefits

Streaming service sign-up credit: $25 one time
Accepted worldwide
Global Emergency Services and Card Replacement
25% back on inflight purchases is not stated; no percentage travel rebate was provided.
Baggage
Trip cancellation
Price protection
Extended warranty
Cell phone

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 Oct 2, 2026

Other points cards with no annual fee

GM Business MastercardBarclays · No annual fee+$395 a year
GM Rewards MastercardBarclays · No annual fee+$395 a year
CareCredit MastercardSynchrony · No annual fee+$205 a year

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