As of July 01, 2026, the average salary for a Card Service Representative in Massachusetts is $49,433 per year, which breaks down to an hourly rate of $24.
However, a Card Service Representative's salary can vary significantly. Here’s a look at the typical salary range:
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Card Service Representative Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $52,655 | $4,388 | $1,013 | $25 |
| Average | $49,433 | $4,119 | $951 | $24 |
| 25th Percentile | $45,311 | $3,776 | $871 | $22 |
Ecolab Inc. - Pittsfield, MA
Ecolab Inc. - Northampton, MA
AFG Inc - Springfield, MA
AFG Inc - Newton, MA
A Card Service Representative's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, and company size can directly affect your earning potential.
Experience is a primary driver of a Card Service Representative's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Levels | Salary |
|---|---|
| Entry Level Card Service Representative | $48,079 |
| Intermediate Level Card Service Representative | $48,818 |
| Senior Level Card Service Representative | $50,250 |
| Specialist Level Card Service Representative | $51,020 |
| Expert Level Card Service Representative | $51,116 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Card Service Representatives. For example, consider the average annual salaries in these key locations:
Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:
Card Service Representative salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $52,730. While startup companies pay approximate $44,747.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $44,747 |
| Growth Stage | 51~500 | $47,292 |
| Established | 501~5000 | $50,968 |
| Enterprise | 5000+ | $52,730 |
For Card Service Representative roles, the industry you choose can impact your earning potential by as much as 20% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 10% above the average. Conversely, Card Service Representative positions in Business Services typically offer lower base pay, as this sector often view Card Service Representative as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $54,376 | $26.0 | 10% |
Understanding how a Card Service Representative's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $52,655 | $4,388 | $1,013 | $25 |
| Average | $49,433 | $4,119 | $951 | $24 |
| 25th Percentile | $45,311 | $3,776 | $871 | $22 |
Promotions are the fastest way to increase your earnings. As a Card Service Representative, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| Card Services Manager | $95,438 | 93% |
| Online Banking Service Senior Specialist | $67,163 | 36% |
| ATM Coordinator | $57,648 | 17% |
| Banking Operations Clerk III | $53,007 | 7% |
Ready to take the next step in your career? Browse thousands of current Card Service Representative job openings on our job board. Use the search bar below to find your perfect match.
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