Investar Bank Business Platinum Visa: Your Ultimate Business Credit Card Solution

Investar Bank is renowned for its commitment to small businesses, and the Investar Bank Business Platinum Visa is a testament to that dedication. This comprehensive review will explore the various details of this credit card, designed to provide business owners with the flexibility and rewards they need to manage their finances effectively.

1. Card Name and Issuer

The Investar Bank Business Platinum Visa is issued by Investar Bank, a financial institution that offers a range of services tailored specifically for businesses. With a focus on supporting entrepreneurs and small businesses, this card aims to deliver valuable benefits that can significantly enhance your business spending.

2. Card Type

The Investar Bank Business Platinum Visa is classified as a business credit card. It is specifically designed for small business owners looking to manage expenses while earning valuable rewards on their purchases.

3. Annual Fee

One of the most attractive features of the Investar Bank Business Platinum Visa is its no annual fee policy. This makes it an excellent choice for small businesses that want to avoid extra costs while enjoying the benefits of credit.

4. Rewards Program

This card offers a competitive rewards program that is both straightforward and rewarding. Cardholders earn 1.5% cashback on all purchases, with increased cashback rates for certain categories such as office supplies, gas, and travel expenses. Rewards can be easily redeemed as statement credits, direct deposits to a bank account, or gift cards, providing flexibility in how you choose to use them.

5. Sign-Up Bonus

To sweeten the deal, new applicants can take advantage of a sign-up bonus. After spending $3,000 within the first three months of account opening, cardholders are eligible to earn a $500 cash bonus. This remarkable offer incentivizes businesses to utilize their new card for routine expenses.

6. APR (Annual Percentage Rate)

The standard APR for the Investar Bank Business Platinum Visa is competitive, starting at 13.99% to 22.99%, depending on creditworthiness. Additionally, new cardholders can benefit from a 0% introductory APR for the first 12 months on purchases, allowing businesses to finance larger expenses without incurring interest during the promotional period.

7. Foreign Transaction Fees

For businesses that operate internationally or travel abroad, it is worth noting that this card does not charge any foreign transaction fees. This feature makes the Investar Bank Business Platinum Visa an excellent choice for entrepreneurs who frequently make purchases overseas.

8. Balance Transfer Options

Cardholders can take advantage of the balance transfer options available with this card. There is a 0% APR offer for balance transfers for the first 12 months. After this period, a standard balance transfer rate will apply, making this card an attractive option for those looking to consolidate debt.

9. Additional Fees

While the card boasts several appealing features, it’s essential to be aware of other potential fees. The Investar Bank Business Platinum Visa has a late payment fee of up to $39 and a cash advance fee of 3% of the amount advanced or a minimum of $10, whichever is greater.

10. Card Benefits and Perks

The Investar Bank Business Platinum Visa comes with several valuable benefits, including travel insurance, which provides coverage for common travel mishaps like trip cancellations and lost luggage. Additionally, cardholders have access to concierge services that can assist with travel arrangements, dining reservations, and more.

11. Customer Protections and Insurance

Investar Bank prioritizes its customers’ safety and satisfaction by offering several customer protections. These include zero fraud liability, which ensures that you won’t be held accountable for unauthorized transactions, and purchase protection, covering eligible new purchases against theft or damage for a specified period.

12. Eligibility and Credit Score Requirements

To qualify for the Investar Bank Business Platinum Visa, applicants typically need a credit score within the range of 700 to 850. Businesses should also be prepared to provide financial documentation, as approval will consider both personal and business creditworthiness.

13. Introductory Offers

In addition to the 0% introductory APR for 12 months on purchases and balance transfers, potential cardholders should keep an eye out for limited-time promotions that may offer additional discounts or benefits upon account opening.

14. Special Features or Unique Selling Points

What sets the Investar Bank Business Platinum Visa apart from other cards is its exceptional customer service and tailored business features. The card offers detailed expense tracking tools and reporting, making it easier for business owners to manage their finances effectively.

15. How to Apply

Applying for the Investar Bank Business Platinum Visa is a straightforward process. Interested individuals can apply online through the bank’s official web portal. To get started, simply visit UpCube.net for further financial insights.