Associated Bank Business MasterCard: Your Ideal Credit Card Solution

The Associated Bank Business MasterCard is a tailored financial tool designed specifically for business owners seeking flexibility and rewards in their spending. Issued by Associated Bank, this card stands out in the competitive market of credit cards due to its unique combination of benefits, competitive rates, and specialized features aimed at helping businesses thrive.

Card Type

The Associated Bank Business MasterCard is a business credit card, making it an excellent choice for small to medium-sized enterprises. This card helps streamline business expenses while offering valuable rewards on everyday purchases.

Annual Fee

One of the most appealing aspects of the Associated Bank Business MasterCard is that it comes with no annual fee. This feature allows businesses to enjoy the card’s benefits without incurring additional yearly costs.

Rewards Program

This card’s rewards program is structured to provide credit card rewards for various purchase categories. Cardholders earn a percentage back on every purchase, with enhanced rewards for specific categories that may vary, such as office supply stores, travel, and dining. Rewards can be redeemed as cashback, which is straightforward and beneficial for business use, or they may convert to points that can be used for travel expenses or gift cards.

Sign-Up Bonus

New applicants of the Associated Bank Business MasterCard can take advantage of a lucrative sign-up bonus. To qualify, cardholders need to meet a specified spending requirement within the first three months after account approval. This initial offer significantly boosts the value proposition for new cardholders.

APR (Annual Percentage Rate)

For ongoing purchases, the Associated Bank Business MasterCard features a competitive regular APR. At the time of writing, it is essential to check the most current rates and any promotional introductory APR offers that may apply for balance transfers or purchases within the first few months of account opening.

Foreign Transaction Fees

This card does impose a foreign transaction fee of 3% when purchases are made outside the U.S. For businesses with international dealings, this fee is an important consideration.

Balance Transfer Options

The Associated Bank Business MasterCard also offers balance transfer options that include promotional 0% APR for a designated duration on transferred balances. This makes it easier for businesses to manage existing debt while taking advantage of the cards rewards features.

Additional Fees

While there is no annual fee, it’s important to be aware of other potential charges associated with the card, including late fees, which can vary by incident, and cash advance fees, which may incur higher interest rates.

Card Benefits and Perks

Cardholders enjoy a range of valuable benefits and perks. These can include travel insurance protections, 24/7 concierge services, access to exclusive events, and airport lounge access. Such features are particularly beneficial for business owners who travel frequently for work.

Customer Protections and Insurance

The Associated Bank Business MasterCard comes with strong customer protections, including zero liability for fraudulent transactions, purchase protection insurance for eligible items, and rental car insurance that covers damages when using the card to rent vehicles. These protections ensure that business owners can use their card with confidence.

Eligibility and Credit Score Requirements

Prospective applicants should ideally have a credit score within the range of 700 to 740 or above to enhance their chances of approval. Other criteria may include income verification and business registration details.

Introductory Offers

The card currently features an introductory offer which includes a 0% APR on both purchases and balance transfers for the first six months. Such offers are valuable for businesses looking to manage cash flow effectively.

Special Features or Unique Selling Points

One of the standout features of the Associated Bank Business MasterCard is its personalized customer service. Cardholders can benefit from dedicated assistance, which helps streamline service requests and improves overall satisfaction.

How to Apply

Applying for the Associated Bank Business MasterCard is straightforward. Interested applicants can complete their application process ‘>Apply Here and explore how the Associated Bank Business MasterCard can meet your needs.

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