| Rewards | Unlimited 1.5 points per $1 on every business purchase |
|---|---|
| Signup Bonus | 0% introductory APR on purchases and balance transfers for the first 6 billing cycles |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | N/A |
| Purchases APR | After the 0% intro period, the purchase APR is variable, 21.49%–28.99% (based on Prime rate + creditworthiness) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Apple Bank Visa Business Edition Credit Card is known for its no annual fee, simple 1.5x points on every purchase, and a 0% intro APR on purchases and balance transfers for the first six billing cycles. It’s positioned as a straightforward business card without complicated bonus categories or luxury perks.
Most users say they like the predictable rewards structure and the fact that there’s no fee to carry the card, making it easy for small businesses to keep costs down. Many reviewers also mentioned that the FNBO-backed customer service feels “old-school reliable.”
On the flip side, users often note that the card doesn’t offer premium travel perks or big signup bonuses like other business cards. Some also point out that APR after the intro period can run high, so it’s not ideal for carrying long-term balances.
Personally, I think this card is best for small business owners who want simplicity—steady rewards, no annual fee, and a short intro period to manage new-business expenses. If you’re looking for richer perks or large welcome bonuses, you’ll likely find more value elsewhere.
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