First State Bank Visa Business Bonus Rewards/Rewards PLUS Card | Reviews

The First State Bank Visa Business Bonus Rewards / Rewards PLUS Card is a regional business credit card that leans on a simple points-based rewards setup, usually earning about 1 point per dollar spent, with redemption options like cash back, travel, or gift cards. It sometimes comes with a modest signup bonus and an annual fee that varies by offer, but it’s generally positioned as a straightforward spending tool for small businesses rather than a premium rewards card.

Most users say they like the simplicity of the rewards program and the fact that it’s easy to understand and use for everyday business expenses. Many reviewers mentioned that approval can be more accessible through local banks compared to big national issuers, and they appreciate having a basic rewards structure without too many restrictions.

On the downside, cardholders often complain about the average reward value, lack of standout perks, and limited competitiveness compared to major business cards. Some also feel the redemption options and earning rates haven’t kept up with newer cash-back business cards.

Personally, I think this card works best for small-business owners who already bank with First State Bank and want a simple, no-frills rewards option. But if you’re looking to maximize cash back or travel benefits, stronger offers from major issuers will usually deliver better long-term value.