Last Updated: 04/18/2025
Associated Bank Visa® Smart Business Rewards Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
18.99% - 23.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18.99% - 23.99%(Verified 06/21/2024)
Annual Fee
$0 - $95
Credit Score Range
650 - 850
Associated Bank Visa® Smart Business Rewards Card Review
This is a rewards card issued by Associated Bank, N.A.. If you're wondering whether Associated Bank Visa® Smart Business Rewards Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.99% up to 23.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- $0 intro annual fee for the first year. Associated Bank Visa® Smart Business Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Associated Bank Smart Business
| 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 18.99% up to 23.99% . The card has a variable balance transfer APR that ranges from 18.99% up to 23.99% .
It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% 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.| Purchase APR | 18.99% - 23.99% |
| Balance Transfer APR | 18.99% - 23.99% |
| Cash Advance APR | 28.99% |
| Penalty APR | 30.24% |
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 credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Associated Bank Smart Business offers a rewards program to its customers.
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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Hours of Operation
Sunday
Closed
Monday
6:00AM - 10:00PM
Tuesday
6:00AM - 10:00PM
Wednesday
6:00AM - 10:00PM
Thursday
6:00AM - 10:00PM
Friday
6:00AM - 10:00PM
Saturday
8:00AM - 7:00PM