Last Updated: 04/18/2025
1st Century Bank Visa® Business Rewards Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 19.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.99% - 19.99%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
700 - 850
1st Century Bank Visa® Business Rewards Credit Card Review
This is a rewards card issued by 1st Century Bank. If you're wondering whether 1st Century Bank Visa® Business Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
- APRs: 1st Century Bank Visa® Business Rewards Credit Card has a variable regular purchase APR that ranges from 15.99% up to 19.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. 1st Century Bank Visa® Business Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of 1st Century Bank business credit card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 15.99% up to 19.99% . The card has a variable balance transfer APR that ranges from 15.99% up to 19.99% .
It also has a variable cash advance APR of 24.99%. Note that late payments are subject to an APR of 24.99% 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?
Yes, this business card offers an introductory APR rate on balance transfers of 0%
This business card does offer an introductory APR rate on new purchases of 0%
| Purchase APR | 15.99% - 19.99% |
| Balance Transfer APR | 15.99% - 19.99% |
| Cash Advance APR | 24.99% |
| Penalty APR | 24.99% |
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 $35 .
- A returned payment fee of up to $35.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or rewards program?
Yes, 1st Century Bank business credit card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
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- Advertising Services
- Every Purchase
- Gas stations
- Restaurants
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.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed