Associated Bank Visa® Business Real Rewards Card is designed for business owners who prefer to earn fixed-rate, unlimited rewards. It has no annual fee, a low ongoing annual percentage rate (APR), and Visa-specific benefits, including extended warranties, purchase protection, and travel assistance.
Associated Bank is located in Illinois, Minnesota, and Wisconsin. You can check for the nearest Associated Bank location to make your transaction.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Associated Bank Visa® Business Real Rewards Card
BEST FOR:
Those who prefer unlimited fixed-rate rewards
Intro APR
0%
Regular APR
18.99% to 27.99% variable
Annual Fee
None
Credit Needed
Good
- 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.
Intro APR
0%
Regular APR
18.99% to 27.99% variable
Annual Fee
None
Credit Needed
Good
- 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: It 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.
Check out our recommended alternatives below if this card doesn’t fit the bill.
Associated Bank Visa® Business Real Rewards Card Fees
APR
- Introductory on purchases: 0% for the first six billing cycles after opening an account.
- Introductory on balance transfers: 0% for the first six billing cycles for balances transferred within 186 days from account opening
- Ongoing and balance transfers: 18.99% to 27.99% variable, which will adjust with the prime rate
- Cash advance: 29.99% variable, which will adjust with the prime rate
- Penalty*: 32.24% 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
*Penalty APR will apply until you make six consecutive minimum payments when due and don’t exceed your credit limit during that time period.
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
- 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
- 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 from your phone to make your payment.
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
- 1.5 points for every dollar you spend, with no caps or limits on the points you can earn
Rewards Points Explained
There are no limits to the points that you can earn. However, note that you can earn points on eligible net purchases only. There are two ways to redeem your points, namely:
- Call the Rewards Center at (888) 229-8864
- Go to associatedbank.com, log into Associated Online Banking, select your card, and click “Rewards Center” to redeem your points.
You can also purchase rewards points. Note that each point is worth 30 cents. A minimum point purchase of 500 (in increments of 100) can be obtained, and there is a maximum annual cap of 20,000 in purchased points.
Points earned will remain on your account for five years to the end of the quarter in which they are earned. When redeeming points, the earliest earned points will be used first.
Associated Bank Visa® Business Real Rewards Card Features
Account Management
- Online reporting: This free online tool comes with Spend Analysis and lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date 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.
Security Benefits
- Fraud protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions.
- 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: Associated Bank ensures that your privacy is protected by displaying only the last four digits of your account number and omitting the expired date from your receipts.
Visa-Specific Benefits
- Auto rental collision damage waiver: You’re eligible for auto rental collision damage insurance when you rent a car using this card. You can decline the rental company’s collision damage waiver option and receive coverage for collision damage or theft through Visa.
- Extended warranty: Receive double the manufacturer’s warranty on purchases made on your card. Note that certain conditions and exclusions will apply.
- Purchase protection: New purchases made with your card are protected for 90 days against damage and theft.
- Visa SavingsEdge: Receive discounts offered by Visa SavingsEdge. Note that there are no coupons and discounts that 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 Alternatives
Associated Bank Visa® Business Cash Preferred Credit Card
Associated Bank Visa® Business Cash Preferred Credit Card
BEST FOR:
Those who travel frequently
Intro APR
0%
Regular APR
19.24% to 28.24 variable
Annual Fee
$0
Credit Needed
Good
- 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
- No 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.
Intro APR
0%
Regular APR
19.24% to 28.24 variable
Annual Fee
$0
Credit Needed
Good
- 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
- No 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.
- Is an excellent Associated Bank business credit card alternative if you want to earn rewards for your frequent road travels.
- Lets you earn 3% cash back on eligible purchases at electric vehicle charging and gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers)
- Offers 0% introductory APR on both purchases and balance transfers for the first 6 months
- Does not charge annual fees
American Express Blue Business® Plus
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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.
- Is a viable option for those who want to earn points with a flexible credit limit
- Lets you earn 2x on the first $50,000 in purchases each year, then 1x point on all purchases when the cap is met
- Has a 0% introductory APR on purchases for the first 12 months
- Does not charge annual fees
- Is in our roundup of the:
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Is a great alternative if you want fixed-rate cash back rewards from a bank that is present in 48 states.
- Lets you earn an unlimited 1.5% cash back on all purchases
- Has a 0% introductory APR on purchases for the first 12 months
- Does not charge annual fees
- Is one of our:
Bottom Line
Associated Bank Visa® Business Real Rewards Card is a great option if you 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 doesn’t charge annual fees. It also lets you earn unlimited 1.5 points on all purchases, with no caps or limits on the points you can earn.
