| Rewards | 3% cash back on eligible purchases from: Office supply stores Cellular phone service providers Landline / Internet / cable TV services 2% cash back on gasoline and — in some sources — restaurant purchases. 1% cash back on all other eligible net purchases (i.e., those that don’t fall into the above bonus categories) |
|---|---|
| Signup Bonus | $25 cash back after your first purchase with the card |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 31.49% (variable) |
| Cash Advance Fee | Greater of $10 or 4% of the amount advanced |
| Late Payment Fee | $41 |
| Purchases APR | 17.24%–26.24% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Associated Bank Visa Business Cash Card is known for its simple, category-based cash-back structure, no annual fee, and straightforward earning on office supplies, internet/phone services, gas, and general purchases. Most users say the rewards are easy to understand and redeem, and many reviewers mentioned that business owners appreciate not paying an annual fee for a card that still offers elevated 3% and 2% categories.
On the flip side, some cardholders feel the card is a bit bare-bones. Common complaints include a lack of travel perks, no major signup bonus, and relatively high APRs compared with larger national issuers. A few reviewers also note that customer service can be inconsistent since the account is serviced through Elan Financial.
Personally, I think this card works best for small business owners who want simple cash back on everyday expenses without overthinking categories or paying extra fees. If your business spends heavily on office supplies, internet, and gas, it’s an easy win. But if you’re after richer travel rewards or a big welcome bonus, there are stronger alternatives elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
Simple and reliable for my small business
This is actually decent for covering everyday business expenses. Cash back is nice, but the sign up bonus was underwhelming compared to other business cards. Customer service is friendly, and I like the low fees, but rewards feel a bit limited for larger spending.
