1st Century Bank Visa® Business Rewards Credit Card Review

• 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.

The Good	The Bad
Potentially 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.

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.

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 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

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 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.