Associated Bank Visa® Business Real Rewards Card is designed for business owners who prefer to earn fixed-rate, unlimited rewards. It charges $0 annual fees, has a low ongoing annual percentage rate (APR), and comes with Visa-specific benefits, including extended warranties, purchase protection, and travel assistance.
Associated Bank Visa® Business Real Rewards Card
BEST FOR:
Those who prefer unlimited fixed-rate rewards
- 2,500 bonus rewards Points awarded after first purchase
- Earn 1.5 points for every eligible net $1 you spend
Pros
- Has rewards for new and existing cardholders
- With 0% introductory APR on purchases and balance transfers
- Does not charge annual fees
Cons
- With high penalty interest rates
- Rewards expire within five years
- 0% introductory APR is short vs other cards’ introductory rates
- Online reporting with spend analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
- Fraud protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
- Travel and emergency assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.
- 2,500 bonus rewards Points awarded after first purchase
- Earn 1.5 points for every eligible net $1 you spend
Pros
- Has rewards for new and existing cardholders
- With 0% introductory APR on purchases and balance transfers
- Does not charge annual fees
Cons
- With high penalty interest rates
- Rewards expire within five years
- 0% introductory APR is short vs other cards’ introductory rates
- Online reporting with spend analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
- Fraud protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
- Travel and emergency assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.
When grading points rewards business credit cards like the Associated Bank Visa® Business Real Rewards Card, we first consider the ongoing and introductory rewards. We also rate the annual fee, introductory and ongoing APRs, and additional card features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 30 |
Introductory Rewards | 10 | 20 |
Annual Fee | 15 | 15 |
Features | 15 | 15 |
Introductory APR | 5 | 10 |
Ongoing APR | 7 | 10 |
Total Score | 72 | 100 |
Who the Associated Bank Visa® Business Real Rewards Card Is Best For
- Those who prefer unlimited fixed-rate rewards: This card offers fixed-rate points for all purchases, regardless of spending categories.
- Businesses in Illinois, Minnesota, and Wisconsin: If your business is within these states, transacting in person will be easy as its branches are located in these areas.
Associated Bank Visa® Business Real Rewards Card Rewards
- 2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
- 1.5x points (equal to 1.5% cash back) for every dollar you spend, with no caps or limits on the points you can earn
Associated Bank Visa® Business Real Rewards Card Calculator
Use our calculator to get the estimated annual cash back value of the rewards obtained from using the Associated Bank Visa® Business Real Rewards Card Rewards. Just input your estimated monthly spending—and let our calculator do the rest.
How To Redeem Associated Bank Visa® Business Real Rewards Card Rewards
Your earned points can be redeemed as a cash deposit to a checking or savings account with Associated Bank. Note that this will be credited within seven business days. Alternatively, you can redeem it as a statement credit to your credit card account, which will be deposited to you within 1–2 billing cycles, with a $25 minimum redemption.
Another way to use your earned points rewards is by redeeming them for merchandise, gift cards, and travel.
Associated Bank Visa® Business Real Rewards Card Features
Account and card management
- Online reporting: Access Spend Analysis and generate credit card spending reports on a monthly, quarterly, annual, or year-to-date (YTD) basis. You can also download an annual account summary of up to 36 months and view your expenses by total spending, average ticket, or merchant.
- Free employee cards: Issue employee cards at no additional cost and can be done at the time of application or after the account has been established.
Security benefits
- Fraud protection: Receive notifications in case any unauthorized transaction is made with your card.
- Zero fraud liability: Be protected from fraudulent use of both your card and your card information in the event it gets lost or stolen—you won’t be responsible for any unauthorized purchases.
- Account truncation: To protect your privacy, display only the last four digits of your account number and omit the expired date from your receipts.
Visa-specific Benefits
- Auto rental collision damage waiver: Be eligible for auto rental collision damage insurance when you secure a rental car with your card. Note that you will need to decline the rental company’s collision damage waiver option to receive 24-hour coverage.
- Extended warranty: Double the manufacturer’s warranty on purchases made on your card. Note that certain conditions and exclusions will apply.
- Purchase protection: Be protected with your new purchases that are made with your card by receiving coverage for 90 days against damage and theft.
- Visa SavingsEdge: Get discounts offered by Visa SavingsEdge. Note that no coupons and discounts will appear as statement credits.
- Travel and emergency assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.
Associated Bank Visa® Business Real Rewards Card Fees
APRs
- Introductory: 0% for the first six billing cycles after opening an account; for balance transfers, a 0% introductory period will apply for transfers made within 186 days from date of account opening.
- Ongoing and balance transfers: 19.24% to 28.24% variable, which will adjust with the prime rate.
- Cash advance: 29.99% variable, which will adjust with the prime rate.
- Penalty
Penalty APR will apply until you make six consecutive minimum payments when due and don’t exceed your credit limit during that time period.
: 32.49% variable, which will adjust with the prime rate. This will be applied to your account if you:
- Made payments five calendar days late twice
- Made a payment 30 calendar days late once
- Made a returned payment
- Exceed your credit limit twice in 12 consecutive months
Fees
- Annual: $0
- Balance transfer and convenience check cash advance: Either $5 or 3% of the amount of each transfer/advance, whichever is higher.
- Foreign transaction:
- 2% of each foreign purchase transaction or foreign ATM advance transaction in United States dollars (USD)
- 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency
- Cash advance, cash equivalent advance, and cash advance ATM: Either $10 or 4% of the amount of each transaction, whichever is greater.
- Card ExtendPay: A monthly fee not exceeding 1.6% of the original principal amount in a Card ExtendPay plan or a Card ExtendPay loan. Note that the fixed fee is disclosed upon enrollment and is charged each month.
- Late payment:
- $19 on balances up to $100
- $29 on balances from $100 up to $250
- $39 on balances of $250 or more
- Returned payment: $35
- Overdraft protection: None
- Overlimit: $39
Your due date is at least 24 to 30 days after the close of each billing cycle.
- 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.
- Phone: Call (866) 552-8855 and follow the prompts.
- In-person: Visit the nearest Associated Bank branch.
Associated Bank Visa® Business Real Rewards Card Alternatives
Associated Bank Visa® Business Cash Preferred Credit Card
Consider the Associated Bank Visa® Business Cash Preferred Credit Card as an alternative Associated Bank business credit card if you prefer to earn premium cash back on spending categories, such as EV charging and gas stations, cellphone services providers, office supply stores, and restaurants.
Associated Bank Visa® Business Cash Preferred Credit Card
BEST FOR:
Those who travel frequently
- Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
- Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
- $100 annual software credit after spending on software subscriptions for 11 consecutive months
Pros
- With introductory APR on purchases and balance transfers
- Earn unlimited rewards
- $0 annual fee
Cons
- Short intro APR duration vs other cards
- Need to redeem cards within five years
- Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
- Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
- Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
- Extended warranty and purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.
- Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
- Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
- $100 annual software credit after spending on software subscriptions for 11 consecutive months
Pros
- With introductory APR on purchases and balance transfers
- Earn unlimited rewards
- $0 annual fee
Cons
- Short intro APR duration vs other cards
- Need to redeem cards within five years
- Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
- Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
- Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
- Extended warranty and purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.
American Express Blue Business® Plus
Associated Bank Visa® Business Real Rewards Card offers a short 0% introductory period on purchases. If you are planning to make large purchases, we suggest the American Express Blue Business® Plus as it comes with a longer 0% introductory period on purchases and 2x points on all purchases for the first $50,000 in purchases each year.
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- 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 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- 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 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
U.S. Bank Business Leverage® Visa Signature® Card
If you are looking for a non-Associated Bank business credit card, we recommend you check the U.S. Bank Business Leverage® Visa Signature® Card. While this card charges an annual fee and does not have a 0% introductory period, it offers cash back rewards on your top two spend categories and Pay Over Time, which lets you divide large purchases into fixed monthly payments.
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Frequently Asked Questions (FAQs)
You can apply online or at an Associated Bank branch.
Associated Bank is located in Illinois, Minnesota, and Wisconsin.
Call (866) 863-8940 to request a credit limit increase. Note that representatives are available from Monday to Friday from 8 a.m. to 11 p.m. Eastern time or Saturday and Sunday from 10 a.m. to 8 p.m. ET. Alternatively, you can log in to your account, click “Services,” and select “Credit Limit Increase.” Follow the steps to submit your request.
Bottom Line
Associated Bank Visa® Business Real Rewards Card is a great option for businesses located in Illinois, Minnesota, and Wisconsin that want a fixed-rate rewards card, regardless of spending category. It has interest-free financing on purchases and balance transfers for the first six billing cycles and charges $0 annual fees. This card also lets you earn unlimited 1.5x points (equivalent to 1.5% cash back) on all purchases, with no caps or limits on the points you can earn.
