Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
12.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 850
Central Bank Small Business Mastercard® Review
This is a cashback card issued by Central Bank. If you're wondering whether Central Bank Small Business Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Central Bank Small Business Mastercard® has a variable regular purchase APR of 12.24%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. Central Bank Small Business Mastercard® charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 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 up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Central Bank Small Business Mastercard®
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 12.24%. The card has a variable balance transfer APR of 12.24% .
It also has a variable cash advance APR of 24.99%.
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.| Purchase APR | 12.24% |
| Balance Transfer APR | 12.24% |
| Cash Advance 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 | 4% |
| 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, Central Bank Small Business Mastercard® offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
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.
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.
Message from Central Bank Small Business Mastercard®
Contact
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
Closed
Other Services by Central Bank
Other Business Credit Cards from Central Bank
Rating not yet determined
Purchase APR
8.9%
Disclaimer popup with additional information
Balance Transfer APR
12.15%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 850
300
850
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
600 - 850
300
850
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