| Rewards | None |
|---|---|
| Signup Bonus | 0% introductory APR for the first 12 billing cycles on purchases and balance transfers made within the first 366 days |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.49% (APR is subject to change) |
| Cash Advance Fee | 3% or $5 minimum (whichever is greater) for Convenience Check cash advance, 4% or $20 minimum (whichever is greater) for Cash Equivalent cash advance, 4% or $10 minimum (whichever is greater) for all other cash advances |
| Late Payment Fee | Up to $38 |
| Purchases APR | 10.49% to 21.49%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I got this card for everyday company expenses and it's been straightforward to use. Purchase track cleanly in the online portal, and the Cash back rewards structure actually adds up monthly to month perfect for a small business without complex needs.
I opened this for my small contracting business. It works fine for separating business expenses, and the statements are easy to sort through at tax time. But I’ll be honest: some of the bigger banks offer juicier perks for business owners. I’m sticking with this one mostly because I like supporting a smaller bank and their customer service actually answers the phone without a robot gauntlet.