Associated Bank Visa® Smart Business Rewards Card
Not enough votes for recommendation
Would you recommend Associated Bank Visa® Smart Business Rewards Card to your friends?
| Purchase APR (Variable APR) |
18.99% - 23.99% (Verified 12/08/2023) |
| Balance Transfer APR (Variable APR) |
18.99% - 23.99% (Verified 12/08/2023) |
| Annual Fee | $0 - $95 |
| Credit Score Range | 650 - 850 |
Associated Bank Visa® Smart Business Rewards Card Review
This is a rewards card issued by Associated Bank, N.A.. If you're wondering whether Associated Bank Smart Business is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 23.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- Annual fee waived the first year. Associated Bank Visa® Smart Business Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Associated Bank Smart Business
| The Good | The Bad |
|---|---|
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 18.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 23.99%.
It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 18.99% - 23.99% |
| Balance Transfer APR | 18.99% - 23.99% |
| Cash Advance APR | 28.99% |
| Penalty APR | 30.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
- A returned payment fee of up to $35.
- An overlimit fee of $39.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Associated Bank Smart Business offers a rewards program to its customers.
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What is the customer service phone number?
The customer service number for this business card is (800) 685-6895.
What is the support contact email?
The support contact email for this business credit card is wecare@associatedbank.com..
How to apply?
- Visit the Associated Bank Visa® Smart Business Rewards Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Contact
Other Services by Associated Bank, N.A.
Other Business Credit Cards by Associated Bank, N.A.
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 - $95 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | $19 - $39 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 24 days |
| Over-Limit Fee | $39 |
| Returned Payment Fee | $35 |
Be the first to rate
Would you recommend Associated Bank Visa® Smart Business Rewards Card to your friends?
Other Business Credit Cards
- AMEX National Bank Delta SkyMiles Credit Card
- CASE Credit Union Business Premier Visa Credit Card
- Commerce Bank Business Visa Platinum Credit Card
- Exchange Bank and Trust Visa® Business Card
- FirstBank Puerto Rico Beyond Business Mastercard
- Listerhill Credit Union Visa Business Credit Card
- MAF Visa Business Rewards
- MECU VISA Business Credit Card
- MIT FCU Smart Business Rewards Signature Card
- Merchants Bank Visa Business Scorecard
- Northern Indiana FCU Smart Business Rewards Visa Signature® Credit Card
- PrimeWay FCU Smart Business Rewards Credit Card
