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Tag: professional credit card design.
Investar Bank Business Rewards Visa
Investar Bank Business Rewards Visa: A Comprehensive Guide
The Investar Bank Business Rewards Visa is a unique financial product designed specifically for business owners looking to maximize their spending. Issued by Investar Bank, this credit card provides a tailored rewards program, competitive rates, and numerous benefits that cater to the needs of enterprises. Whether you are a small business or a larger corporation, this credit card can offer valuable rewards for your everyday expenses.
Card Type
The Investar Bank Business Rewards Visa falls under the category of business credit cards. It is designed to help business owners manage their expenses while rewarding them for their purchases.
Annual Fee
This credit card boasts a no annual fee feature, which means you can enjoy its extensive benefits without incurring a yearly cost.
Rewards Program
The rewards structure of the Investar Bank Business Rewards Visa is highly competitive. Cardholders earn 3% cashback on all purchases made in specific bonus categories, such as office supply stores, technology providers, and gas stations. Additionally, all other purchases earn a flat 1% cashback. Rewards can be redeemed as cashback, giving businesses the flexibility to reinvest their earnings back into their operations.
Sign-Up Bonus
New applicants can take advantage of a generous welcome bonus. After spending $3,000 within the first three months of account opening, cardholders can earn a $500 cashback bonus. This bonus provides an excellent incentive for businesses to leverage their spending effectively.
APR (Annual Percentage Rate)
The Investar Bank Business Rewards Visa offers a regular APR of 14.99%, which is relatively low compared to other business credit cards. Additionally, there is an introductory 0% APR on purchases and balance transfers for the first 12 months, making it an attractive option for businesses looking to manage their cash flow.
Foreign Transaction Fees
This credit card has no foreign transaction fees, making it an excellent choice for businesses that engage in international travel or transactions. This feature can save cardholders significant amounts in fees when spending abroad.
Balance Transfer Options
Cardholders can benefit from special balance transfer offers that feature a 0% APR for the first 12 months. After the introductory period, the regular APR applies, allowing businesses to consolidate debt with lower interest payments.
Additional Fees
While there is no annual fee for the Investar Bank Business Rewards Visa, there are some important additional fees to consider, such as:
- Late payment fee: up to $39
- Cash advance fee: 3% of the transaction amount or a minimum of $10
Card Benefits and Perks
This credit card offers various benefits and perks, including:
- Travel insurance for cardholders traveling for business.
- Access to exclusive concierge services to assist with business-related needs.
- Potential access to select airport lounges.
Customer Protections and Insurance
Investar Bank prioritizes the security of its cardholders by offering a range of customer protections. These include:
- Fraud liability protection: Cardholders are protected against unauthorized charges.
- Purchase protection: Coverage for eligible purchases against damage or theft.
- Rental car insurance: Coverage options when renting vehicles for business purposes.
Eligibility and Credit Score Requirements
To qualify for the Investar Bank Business Rewards Visa, applicants typically need a good to excellent credit score (generally a score of 700 or above). Additionally, businesses must meet other criteria outlined by Investar Bank.
Introductory Offers
The introductory offers of this card make it a compelling option, with a 0% APR on purchases and balance transfers for the first 12 months. This opportunity allows businesses to manage their finances effectively during the initial months after acquiring the card.
Special Features or Unique Selling Points
One of the standout features of the Investar Bank Business Rewards Visa is its ability to provide a flexible rewards structure that adapts to the spending habits of its users. Its focus on specific categories maximizes potential returns for frequent purchasers in those sectors.
How to Apply
Applying for the Investar Bank Business Rewards Visa is simple and straightforward. Prospective applicants can apply online through the ‘>Official Website and take the first step towards maximizing your business rewards today!
First Citizens Business Platinum Visa
First Citizens Business Platinum Visa: A Comprehensive Overview
The First Citizens Business Platinum Visa is a versatile and rewarding credit card designed specifically for business owners who seek to manage their expenses efficiently while also reaping benefits. Issued by First Citizens Bank, this card offers a variety of features that cater to the unique financial needs of entrepreneurs.
Card Type
The First Citizens Business Platinum Visa falls under the category of business credit cards. It is tailored for small business owners, offering advantages that are conducive to handling business expenses, including streamlined expense tracking and the ability to separate personal and business finances.
Annual Fee
One of the standout features of this credit card is that it comes with no annual fee. This aspect makes it an attractive option for business owners who are looking to maximize their rewards and minimize costs.
Rewards Program
The rewards structure for the First Citizens Business Platinum Visa is both straightforward and generous. Cardholders earn 1.5% cashback on all purchases, providing a solid incentive for business expenditures. This cashback can be redeemed as statement credits, making it easy for business owners to see the benefits of their purchases immediately.
Sign-Up Bonus
The card also offers a compelling welcome bonus for new customers. By spending $3,000 within the first three months of account opening, cardholders can earn a $500 cashback bonus. This offer incentivizes new users to adopt the card and benefit from its rewards program right from the start.
APR (Annual Percentage Rate)
The First Citizens Business Platinum Visa features a competitive regular APR of 13.24% to 21.24%, depending on creditworthiness. Additionally, new cardholders may avail of a 0% introductory APR on purchases and balance transfers for the first 12 months. This feature is particularly valuable for businesses needing to manage cash flow while making significant purchases.
Foreign Transaction Fees
Using the First Citizens Business Platinum Visa internationally is seamless, as it does not charge any foreign transaction fees. This is an essential advantage for business owners who frequently travel abroad or conduct international transactions.
Balance Transfer Options
In terms of balance transfer options, the card offers a promotional 0% APR for the first 12 months on balances transferred within 90 days of account opening. Subsequent to this introductory period, balance transfers will incur a standard APR. This can be an excellent opportunity for businesses looking to consolidate debt and reduce interest costs.
Additional Fees
While the First Citizens Business Platinum Visa boasts no annual fee, cardholders should be aware of additional fees that could apply. Late payment fees can reach up to $39, and cash advance fees are typically either a flat fee of $10 or 5% of the transaction amount, whichever is greater. Its essential for users to stay informed about these fees to maintain their financial health.
Card Benefits and Perks
This card is not just about rewards; it also includes various benefits and perks tailored for business users. Some highlights include travel accident insurance, concierge services, which assist with travel bookings and providing local recommendations, and access to exclusive dining experiences.
Customer Protections and Insurance
The First Citizens Business Platinum Visa offers robust customer protections, ensuring peace of mind for users. These protections include zero fraud liability, meaning cardholders will not be responsible for unauthorized transactions, purchase protection which covers eligible items against theft or damage, and rental car insurance for business-related travel.
Eligibility and Credit Score Requirements
To increase the chances of approval, applicants should ideally have a credit score of 670 or higher. As with most credit products, eligibility may also take into account the applicant’s overall financial history and business revenue.
Introductory Offers
In addition to the 0% APR introductory offer on purchases and balance transfers, the card does not treat business owners with high annual spending less favorably, ensuring all users have equal access to special promotions and incentives.
Special Features or Unique Selling Points
The First Citizens Business Platinum Visa differentiates itself through its simple rewards program with no complex categories to track or limit. This ease of use allows business owners to focus on managing their business while still maximizing their benefits effectively.
How to Apply
Applying for the First Citizens Business Platinum Visa is easy. Interested applicants can apply online by visiting the First Citizens Bank’s official website. To start your application, click on this link: UpCube.net.