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Associated Bank Visa® Business Card, which is issued by Elan Financial Services, is a business credit card designed for cost-conscious business owners aiming to manage high-interest debt through balance transfers. It comes with $0 annual fees and a low ongoing APR. While it doesn’t provide rewards, its standout feature is the 0% introductory APR for 18 months on both purchases and balance transfers.
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Associated Bank Visa® Business Card
BEST FOR:
Those with an existing business checking account with Associated Bank that needs to carry a balance
Intro APR
0%
Regular APR
17.24% to 26.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- Introductory 0.00% APR for the first 18 billing cycles on purchases. and balance transfers.
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- With $0 annual fees
- Low minimum ongoing APR
Cons
- No welcome offer
- No rewards for both new and existing cardholders
- Charges foreign transaction fees
- Auto rental collision damage waiver: To be eligible, you need to charge your car rental to this card. You can decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
- Purchase protection: This covers your new purchases for 90 days in case they’re damaged or stolen.
- Billing options: You can request to receive a consolidated central monthly bill for the whole company, individual bills for each card member, or a central bill with a memo statement.
- Employee cards: You can track expenses made by your employees while earning as many rewards as possible at no additional cost.
- Employee misuse protection: Receive protection against terminated employees’ misuse of up to $100,000.
- Free Spend Analysis tool: You can view and monitor your spending organized by category. You can also download a summary report of your annual spending.
Intro APR
0%
Regular APR
17.24% to 26.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- Introductory 0.00% APR for the first 18 billing cycles on purchases. and balance transfers.
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- With $0 annual fees
- Low minimum ongoing APR
Cons
- No welcome offer
- No rewards for both new and existing cardholders
- Charges foreign transaction fees
- Auto rental collision damage waiver: To be eligible, you need to charge your car rental to this card. You can decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
- Purchase protection: This covers your new purchases for 90 days in case they’re damaged or stolen.
- Billing options: You can request to receive a consolidated central monthly bill for the whole company, individual bills for each card member, or a central bill with a memo statement.
- Employee cards: You can track expenses made by your employees while earning as many rewards as possible at no additional cost.
- Employee misuse protection: Receive protection against terminated employees’ misuse of up to $100,000.
- Free Spend Analysis tool: You can view and monitor your spending organized by category. You can also download a summary report of your annual spending.
When evaluating a low-interest business credit card like the Associated Bank Visa® Business Card, we first consider the introductory and ongoing APR. We also evaluate additional fees, introductory and ongoing rewards, and additional features like cash management tools and protection coverage.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 30 | 30 |
Ongoing APR | 20 | 30 |
Additional Fees | 8 | 10 |
Features | 10 | 10 |
Introductory Rewards | 0 | 10 |
Ongoing Rewards | 0 | 10 |
Total Score | 68 | 100 |
Who the Associated Bank Visa® Business Card Is Best For
- Those looking to finance a large purchase or transfer a balance: With a 0% introductory APR for the first 18 billing cycles on both purchases and balance transfers Note that the balance transfer introductory APR will apply after you make a transfer within 558 days from account opening. , this card is ideal for businesses planning to spread out payments or consolidate high-interest debt.
- Those prioritizing low costs: This card has a $0 annual fee and offers a low APR, making it a solid choice for businesses that want to minimize expenses.
- Those with an Associated Bank business checking account: If you already have a business checking account with Associated Bank, this card enables you to manage all transactions within a single banking platform for added convenience.
- Those seeking straightforward spending without rewards: If you’re focused on keeping expenses simple and don’t need ongoing rewards, this card provides cost-effective value without the need to track points or cash back.
If this card isn’t the best fit for your business, see our recommended alternatives below.
Associated Bank Visa® Business Card Rewards
Associated Bank Visa® Business Card doesn’t offer any ongoing rewards.
The key benefits of using this credit card include:
- Competitive ongoing APRs
- Longer 0% introductory period on purchases and balance transfers
- $0 annual fee
Associated Bank Visa® Business Card Features
Account Management
- Employee cards: Allows you to issue employee cards at no extra cost
- Free online reporting with Spend Analysis: Lets you use the reporting tool to track spending by type and date (monthly, quarterly, or yearly) and download an annual spending summary.
- Free Credit Score Credit score can be updated every 30 days, upon log-in. : View your credit score anytime via the mobile app or Credit Card Account Access.
- Control over transaction data sharing: You can choose to limit the sharing of your transaction data with your credit card partner. “No” in the Opt-in status must be selected to prevent sharing transaction history.
- Visa Spend Clarity: You have to enroll your card in Visa Spend Clarity to get the following benefits below.
- Customizable reports and dashboards so you can track and compare your business spending
- Receipt capture and transaction tagging to help organize your business
- Integration with QuickBooks Online and Xero so you can easily sync your transactions
- Payment Controls that allow you to limit where, when, and how employee business credit cards are used
- Extra management benefits:
-
- Choose between consolidated or individual monthly bills by request
- Receive protection against terminated employees’ misuse of up to $100,000
Security Benefits
- Zero fraud liability: Guarantees that you will not be held responsible for any unauthorized transaction made with your card
- Fraud protection: Notifies you of any unusual card activity to help prevent fraud
- Account truncation: Ensures that your privacy is protected by only displaying the last four digits of your account number
Visa-specific Benefits
- Extended warranty: Extends the warranties of selected purchases by an additional year (certain conditions and exclusions will apply)
- Purchase protection: Offers you protection against damage and theft on new purchases for 90 days
- Auto rental collision damage waiver insurance: Provides insurance on rental cars—after you charge your entire rental to your card; ensure you decline the rental company’s collision damage waiver option to receive coverage
- Travel and emergency assistance: Lets you call the 24-hour Visa Assistance Center at (800) VISA-911 to seek assistance or information on reporting a lost or stolen card, request an emergency card replacement, seek medical and legal referrals, get transportation assistance, and more
Associated Bank Visa® Business Card Fees
APR
- Introductory: 0% on both purchases and balance transfers For balance transfers, the introductory APR period will apply if you make a transfer within 558 days from account opening for the first 18 billing cycles
- Purchase: 17.24% to 26.24% variable
- Balance transfer: 17.24% to 26.24% variable
- Cash advance: 31.49% variable
- Penalty
This will be applied until you make six consecutive minimum payments when due and not exceed your credit limit during that time period.
: 31.74% variable; this may be applied to your account if you:
- Make payment five calendar days late twice or 30 calendar days late once
- Receive a returned payment
- Exceed the credit limit twice in 12 consecutive months
Fees
- Annual: $0
- Balance transfer: Either $5 or 3% of each transfer, whichever is greater
- Convenience check cash advance: Either $5 or 3% of each advance, whichever is greater
- Cash advance: Either $10 or 4% of each advance, whichever is greater
- Cash advance ATM: Either $10 or 4% of each advance, whichever is greater
- Cash equivalent advance: Either $10 or 4% of each advance, whichever is greater
- Foreign transaction: 3% of each foreign transaction
- Late payment: $41
- Returned payment: $35
- Overlimit: $39
Your due date is at least 24 to 30 days after the close of each billing period, with no interest on purchases if paid in full.
- Online: Log in to your account at www.myaccountaccess.com to make an online payment
- AutoPay: Schedule an automatic monthly withdrawal from a checking or savings account
To sign up for AutoPay:
-
- Visit Credit Card Account Access at associatedbank.com
- Call the number on the back of your card
- Download the mobile app, choose “Payments” and then “Set up AutoPay”
Important note: It takes about 10 days to activate AutoPay, so be sure to pay the amount due on your most recent statement by mail, phone, or online. It may take up to two billing cycles before AutoPay starts.
- Phone: Call (866) 552-8855 and follow the prompts to make your credit card payment.
- In-person: Visit the nearest Associated Bank branch.
Associated Bank Visa® Business Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Visa®
This card offers a 0% introductory period on purchases for the first 12 billing cycles. It also lets you earn up to 5% cash back on selected spending categories. Plus, you can earn a one-time $750 cash back once you spend $6,000 on eligible Net Purchases within 180 days from account opening.
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
American Express Blue Business CashTM
This card features Expanded Buying Power, allowing you to spend beyond your credit limit once certain criteria are met. It offers a 0% introductory APR on purchases for the first 12 months from account opening. You’ll earn 2% cash back on all eligible purchases up to $50,000 per calendar year and 1% thereafter. Plus, earn a $250 statement credit after spending $3,000 within the first 3 months.
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
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This card is ideal for businesses looking to earn unlimited 1.5% cash back on all business-related purchases, with bonus_miles_full.
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BEST FOR:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
Intro APR
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Regular APR
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Annual Fee
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Credit Needed
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- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
Pros
- $0 annual, balance transfer, and foreign transaction fees
- Intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No welcome offer
- High cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
Pros
- $0 annual, balance transfer, and foreign transaction fees
- Intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No welcome offer
- High cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Frequently Asked Questions (FAQs)
Associated Bank has nearly 200 banking locations serving more than 100 communities throughout Wisconsin, Illinois, and Minnesota and loan production offices in Indiana, Michigan, Missouri, New York, Ohio, and Texas.
Here are some key points to keep in mind:
- Cash advances have a separate APR, which may be higher than your standard purchase APR and often include a transaction fee.
- Interest begins accruing immediately from the day you withdraw the cash.
- Refer to your Cardmember Agreement for full cash advance terms and details.
- Some ATMs may charge additional fees and have specific restrictions.
- The amount you can withdraw depends on the available balance of your cash advance credit line.
To report a lost or stolen credit card, contact Associated Bank Cardmember Service immediately at 1-866-951-1389. For personal or debit cards, call 800-236-8866.
Bottom Line
The Associated Bank Visa® Business Card is designed for businesses needing to make large purchases or transfer high-interest balances. With a $0 annual fee and competitive APR, it’s a practical option for managing business expenses. However, it does not offer rewards, so it may not suit those seeking ongoing cash back or points.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.