| Rewards | 3% cash back on all office supplies and phone/internet services, 2% cash back on restaurant and gasoline purchases, 1% cash back on all other purchases |
|---|---|
| Signup Bonus | $25 cash back bonus after first purchase, 0% APR for the first 6 billing cycles on purchases and balance transfers |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.49% (APR is subject to change) |
| Cash Advance Fee | [convenience check] Either 3% of the amount of each advance or $5 minimum, whichever is greater [cash advance/ATM] 4% of the amount of each advance or $10 minimum, whichever is greater [cash equivalent advance] 4% of the amount of each advance or $20 minimum, whichever is greater |
| Late Payment Fee | Up to $39 |
| Purchases APR | 12.49% to 23.49% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I expected solid rewards with the First State Bank Visa Business Cash, but the cash back felt mediocre and statements confusing. For our small business, benefits didn't justify the effort disappointed overall.