| Rewards | Earn 1 point per $1 on eligible purchases, plus a 25% monthly bonus on points earned (effectively 1.25 points per $1) (50% bonus for Rewards Plus) |
|---|---|
| Signup Bonus | Typically 2,500 bonus points (about $25) after the first purchase ($50 for Rewards Plus) |
| Annual Fee | None ($50 for Rewards Plus) |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable 30.49% |
| Cash Advance Fee | 5% of each cash advance amount, with a $10 minimum |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable 18.49% – 27.49% based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Five Star Bank Visa Business Bonus Rewards and Rewards PLUS cards are built for business owners who want uncomplicated rewards without tracking rotating categories. The standard version comes with no annual fee, while the PLUS card charges a modest fee in exchange for a higher rewards boost and a slightly better welcome offer.
Most users say they like the simplicity of the points program and the ability to redeem rewards for cash back, travel, gift cards, and merchandise. Many reviewers mentioned that the cards integrate smoothly with Elan’s online platform and that customer service is generally reliable. Business owners who already bank with Five Star Bank often appreciate having their accounts under one roof.
On the flip side, many users feel the rewards and signup bonuses are fairly average compared with larger business cards from national issuers. Some also note the lack of premium travel perks, statement credits, or category-based earning opportunities that can generate higher returns.
Personally, I think these cards are a solid fit for small business owners who value simplicity and an easy-to-manage rewards program. But if maximizing points, earning big signup bonuses, or unlocking premium benefits is your priority, there are stronger business card options worth considering.
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Bro sorry, but some error occurred :O
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Strong Business Rewards Worth It
Points grew faster than I expected, and monthly statements made tracking easy. Not flashy, but reliable rewards that really help my business bottom line
