Last Updated: 04/18/2025
Renasant Bank Visa® Business Real Rewards Credit Card
Unaffiliated
in Business Credit Cards from Renasant Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
18.49% - 27.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.49% - 27.49%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Renasant Bank Visa® Business Real Rewards Credit Card Review
This is a rewards card issued by Renasant Bank. If you're wondering whether Renasant Bank Visa® Business Real Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.49% up to 27.49%.
- 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.
- A 3% balance transfer fee. Renasant Bank Visa® Business Real 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 $5.
- 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 emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Renasant Bank Visa® Business Real Rewards Credit Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 18.49% up to 27.49% . The card has a variable balance transfer APR that ranges from 18.49% up to 27.49% .
It also has a variable cash advance APR of 30.49%. Note that late payments are subject to an APR of 31.74% 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% for a period of 6 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 6 months.
| Purchase APR | 18.49% - 27.49% |
| Balance Transfer APR | 18.49% - 27.49% |
| Cash Advance APR | 30.49% |
| Penalty APR | 31.74% |
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 $39 .
- A returned payment fee of $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 | $5 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Renasant Bank Visa® Business Real Rewards 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
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Message from Renasant Bank Visa® Business Real Rewards Credit Card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed