SuperMoney
  Cadence Bank Mastercard® Business Card
Cadence Bank Mastercard® Business Card
in Business Credit Cards from Cadence Bank
Unaffiliated

Cadence Bank Mastercard® Business Card

Unaffiliated
in Business Credit Cards from Cadence Bank
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Business Credit Cards.
Spark 2X Miles
Spark 2X Miles 8 reviews
Highlights
Purchase APR  (Variable APR) 14.90%
(Verified 10/25/2022)
Balance Transfer APR  (Variable APR) 20.90%
(Verified 10/25/2022)
Credit Score Range 650 - 850
Annual Fee $0

Cadence Bank Mastercard® Business Card Review

Key Takeaways

  • Competitive APRs. Cadence Bank Mastercard® Business Card has a variable purchase APR of 14.90%
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Cadence Bank Business Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Cadence Bank Mastercard® Business Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.

Cadence Bank Business Card FAQ

Who is Cadence Bank Business Card designed for?

This is a credit card issued by Cadence Bank.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

This business card has a credit limit of up to 0.

What are the relevant APRs?

This business credit card has a variable purchase APR of 14.90%. The card has a variable balance transfer APR of 20.90% .

It also has a variable cash advance APR of 20.90%. Note that late payments are subject to an APR of 21% 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?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does not offer an introductory rate on new purchases.

Cadence Bank Business Card Rates & Terms
Purchase APR 14.90%
Balance Transfer APR 20.90%
Cash Advance APR 20.90%
Penalty APR 21%

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.
  • An overlimit fee of $35.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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.

Cadence Bank Business Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does it offer a cash back or rewards program?

Yes, Cadence Bank Business 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
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

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:

  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 636-7622.

What is the support contact email?

The support contact email for this business credit card is n/a.

Does Cadence Bank Mastercard® Business Card report your account activity to credit bureaus?

Yes, Cadence Bank Mastercard® Business 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 Cadence 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $0.50
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $35
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 1x Point on Every Purchase
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Cash Advance APR (Variable APR) 20.90%
Credit Limit $0
Penalty APR (Variable APR) 21%
Purchase APR (Variable APR) 14.90%
(Verified 10/25/2022)
Balance Transfer APR (Variable APR) 20.90%
(Verified 10/25/2022)
Card Network Mastercard
Card Type
  • Rewards

Be the first to rate

 

Would you recommend Cadence Bank Mastercard® Business Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Business Credit Cards