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  1st Century Bank Visa® Business Rewards Credit Card

1st Century Bank Visa® Business Rewards Credit Card

in Business Credit Cards from 1st Century Bank

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1st Century Bank Visa® Business Rewards Credit Card

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in Business Credit Cards from 1st Century Bank

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Highlights
Purchase APR  (Variable APR) 15.99% - 19.99%
Balance Transfer APR  (Variable APR) 15.99% - 19.99%
Credit Score Range 700 - 850
Annual Fee $0

1st Century Bank Visa® Business Rewards Credit Card Review

Key Takeaways
  • 0% 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.
  • Competitive APRs. 1st Century Bank Visa® Business Rewards Credit Card has a variable 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.
  • 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 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of 1st Century Bank business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 0% APR on new purchases .
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere 1st Century Bank Visa® Business Rewards Credit Card is accepted.
  • 1st Century Bank Visa® Business Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
1st Century Bank business credit card FAQ

Who is 1st Century Bank business credit card designed for?

This is a credit card issued by 1st Century Bank. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

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%

1st Century Bank business credit card Rates & Terms
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.

1st Century Bank business credit card Fees
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 rewards program?

This 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:

  • 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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (310) 270-9500.

What is the support contact email?

The support contact email for this business credit card is treasurymanagement@1cbank.com.

Does 1st Century Bank Visa® Business Rewards Credit Card report your account activity to credit bureaus?

Yes, 1st Century Bank Visa® Business Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the 1st Century Bank .
  • 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

Other Services by 1st Century Bank

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $35
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Advertising Services
  • Every Purchase
  • Gas
  • Restaurants
Balance Computation average daily balance (including new purchases).
Cash Advance APR (Variable APR) 24.99%
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 15.99% - 19.99%
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 15.99% - 19.99%
Card Type
  • Low Interest
  • Rewards

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