
1st Century Bank Visa® Business Rewards Credit Card
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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
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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%
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:
- 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.
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.
Contact
- Headquarters
-
1875 Century Park East
Suite 1400
Los Angeles, CA 90067 USA - (310) 270-9500
- Visit Site
- Email Support
Other Services by 1st Century Bank
Feature Breakdown
Introductory Rate | 0% |
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