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

1st Century Bank Visa® Business Rewards Credit Card Review

Who is 1st Century Bank Visa® Business Rewards Credit Card designed for?

1st Century Bank Visa® Business Rewards Credit Card is a credit card issued by 1st Century Bank. 

This card is designed for businesses with good credit. The minimum credit score to apply is 700.

What are the relevant APRs for 1st Century Bank Visa® Business Rewards Credit Card?

1st Century Bank Visa® Business Rewards 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 1st Century Bank Visa® Business Rewards Credit Card have an introductory APR offer?

Yes, 1st Century Bank Visa® Business Rewards Credit Card offers an introductory APR rate on balance transfers of 0%

This card does offer an introductory APR rate on new purchases of 0%

1st Century Bank Visa® Business Rewards 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 are the 1st Century Bank Visa® Business Rewards Credit Card fees?

The following fees apply to 1st Century Bank Visa® Business Rewards Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $35.
  • A returned payment fee of up to $35.

Does 1st Century Bank Visa® Business Rewards Credit Card have a foreign transaction fee?

1st Century Bank Visa® Business Rewards Credit 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 card at home and apply for one that doesn't charge a foreign transaction fee.

1st Century Bank Visa® Business Rewards 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

Is there a 1st Century Bank Visa® Business Rewards Credit Card cash back or rewards program?

1st Century Bank Visa® Business Rewards Credit Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Advertising Services
  • Every Purchase
  • Gas
  • Restaurants

Does 1st Century Bank Visa® Business Rewards Credit Card have a signup bonus?

1st Century Bank Visa® Business Rewards Credit Card doesn't offer a cash signup bonus.

Does 1st Century Bank Visa® Business Rewards Credit Card offer an annual loyalty bonus?

1st Century Bank Visa® Business Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the 1st Century Bank Visa® Business Rewards Credit Card benefits?

1st Century Bank Visa® Business Rewards Credit Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

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

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 can help improve your credit score.

How to apply for 1st Century Bank Visa® Business Rewards Credit Card

  • 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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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
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
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
Card Type
  • Low Interest
  • Rewards
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Fraud Liability  
Rewards Categories
  • Advertising Services
  • Every Purchase
  • Gas
  • Restaurants
Cash Advance APR (Variable APR) 24.99%
Purchase APR (Variable APR) 15.99% - 19.99%
Balance Computation average daily balance (including new purchases).
Introductory Rate 0%
Penalty APR 24.99%
Balance Transfer APR (Variable APR) 15.99% - 19.99%
Introductory Rate 0%

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