| 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 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.