Community Banks of Colorado Visa® Business Real Rewards Credit Card Review for 2022
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This article is part of a larger series on Best Small Business Credit Cards.
The Community Banks of Colorado Visa® Business Real Rewards Credit Card is designed for business owners who have an existing deposit account with Community Banks of Colorado. This small business credit card charges with no annual fee and offers unlimited rewards. It also comes with Visa-specific benefits including extended warranty, purchase protection, and emergency assistance.
To see how this card stacks up against others that we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison.
Community Banks of Colorado Visa® Business Real Rewards Credit Card
Intro APR
0% APR for the first six billing cycles on purchases and balance transfers
Regular APR
14.24% to 23.24% variable
Annual Fee
$0
Credit Needed
Good
- 2,500 bonus rewards points after making your first purchase
- Earn 1.5 points on all purchases, regardless of spending categories
Pros
- Sign-up bonus
- No annual fee
- Unlimited rewards
Cons
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
Intro APR
0% APR for the first six billing cycles on purchases and balance transfers
Regular APR
14.24% to 23.24% variable
Annual Fee
$0
Credit Needed
Good
- 2,500 bonus rewards points after making your first purchase
- Earn 1.5 points on all purchases, regardless of spending categories
Pros
- Sign-up bonus
- No annual fee
- Unlimited rewards
Cons
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
How We Evaluate Points Rewards Business Credit Cards
When rating points rewards business credit cards like the Community Banks of Colorado Visa® Business Real Rewards Credit Card, we first consider the ongoing and introductory rewards first. We also take into account the annual fee, introductory and ongoing annual percentage rates (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 | 6 | 10 |
Ongoing APR | 7 | 10 |
Total Score | 73 | 100 |
Who Is The Community Banks of Colorado Visa® Business Real Rewards Credit Card For?
- Business owners who prefer fixed-rate rewards: The Community Banks of Colorado Visa® Business Real Rewards Credit Card offers unlimited, fixed-rate points for all purchases, regardless of spending categories.
Community Banks of Colorado Visa® Business Real Rewards Credit Card Fees
- Introductory APR: 0% APR on purchases and balance transfers for the first six billing cycles after opening an account
- Ongoing APR: 14.24% to 23.24% variable
- Annual fee: $0
- Balance transfer fee: $5 or 3% of the amount transferred, whichever is higher
- Foreign transaction fee: 2% of each foreign transaction in United States dollars or 3% of each foreign transaction in a foreign currency
- Cash advance fee: $10 or 4% of the amount of each transaction, whichever is greater—APR is 26.24%
How to Make Payments on the Community Banks of Colorado Visa® Business Real Rewards Credit Card
- Online: Pay online by logging in to your account at www.myaccountaccess.com to make payments
- Autopay: You can set up an automatic monthly withdrawal from your Community Banks of Colorado checking or savings account to pay your credit card bill
- By Phone: You can pay by phone by calling the automated system at (866) 552-8855 from any touch-tone phone to make your payment
Community Banks of Colorado Visa® Business Real Rewards Credit Card Rewards
- 2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
- Unlimited 1% cash back on all other eligible purchases
Points can be redeemed as a cash deposit to a Community Banks of Colorado checking or savings account. You can also use your points as a statement credit. You need to call the Rewards Center at (888) 229-8864 or go online to the Rewards Center at www.myaccountaccess.com to redeem your points.
Community Banks of Colorado Visa® Business Real Rewards Credit Card Additional Features
Online Reporting With Spend Analysis
You can access a free online reporting tool that allows you to review your credit card expenses on a monthly, quarterly, annual, or year-to-date basis. You can view your expenses by total spending, average ticket, or merchant—this can help you analyze your business expenses and plan your budget. You can also download an account summary of up to 36 months of data.
Auto Rental Collision Damage Waiver Insurance
You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental service on your Community Banks of Colorado Visa® Business Real Rewards Credit Card. You have to decline the rental company’s collision damage waiver option to receive coverage on a 24-hour basis for damage on the car rental due to collision or theft.
Fraud Protection & Zero Fraud Liability
Visa provides fraud protection to detect and prevent fraudulent activities. The card issuer will notify you of any unusual card activity. In addition, you’re also covered with zero fraud liability, which protects you from fraudulent use of your card or account information in the event your card is lost or stolen. You won’t be responsible for any unauthorized purchases.
Extended Warranty
The Community Banks of Colorado Visa® Business Real Rewards Credit Card offers an extended warranty that will double the manufacturer’s warranty on your purchases. To be eligible, you should use your credit card to pay for the covered purchases. Check the details of the terms and conditions stated in the guide included in your credit card for exclusions.
Purchase Protection
You’re covered with purchase protection when you use your Community Banks of Colorado Visa® Business Real Rewards Credit Card to make purchases. The eligible items purchased by your card are protected for 90 days in case they’re stolen or damaged. Check the details of the terms and conditions stated in the guide included in your credit card for certain exclusions.
Travel & Emergency Assistance
When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency. This hotline can help you report a lost or stolen card, emergency card replacement, medical and legal referrals, and transportation assistance. Any fees incurred for the services hired will be for the account of the cardholder.
Pros & Cons of The Community Banks of Colorado Visa® Business Real Rewards Credit Card
| PROS | CONS |
|---|---|
| Sign-up bonus: You will earn 2,500 bonus points, equivalent to $25, after making your first purchase using your Community Banks of Colorado Visa® Business Real Rewards Credit Card. | Short 0% APR period:The small business credit card offers a 0% introductory APR on purchases and balance transfers for the first six billing cycles only. |
| Unlimited rewards: You can earn 1.5 points for every dollar spent using your credit card without caps or limits on the number of rewards you can earn. | Rewards do expire: Rewards will expire after five years so make sur eto redeem your points before they expire. |
| No annual fee: You can enjoy earning unlimited rewards without having to pay an annual fee. | |
Community Banks of Colorado Visa® Business Real Rewards Credit Card Alternatives
Community Banks of Colorado Visa® Business Cash Preferred Credit Card
The Community Banks of Colorado Visa® Business Cash Preferred Credit Card is a good alternative if you want to earn cash back instead of points. This is also a better option if you spend more on gas, office supplies, dining, and cellphone service providers because you’ll earn 3% cash back on these expenses.
Community Banks of Colorado Visa® Business Cash Preferred Credit Card
Intro APR
0% APR for the first six billing cycles
Regular APR
14.24% to 23.24% variable
Annual Fee
$0
Credit Needed
Good
- $25 bonus cash back after making your first purchase
- $100 annual software credit after 11 consecutive monthly software transactions
- Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
Pros
- Sign-up bonus
- No annual fee
- Unlimited rewards
Cons
- Short 0% APR period
- No 0% APR on balance transfers
- Rewards do expire
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
Intro APR
0% APR for the first six billing cycles
Regular APR
14.24% to 23.24% variable
Annual Fee
$0
Credit Needed
Good
- $25 bonus cash back after making your first purchase
- $100 annual software credit after 11 consecutive monthly software transactions
- Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
Pros
- Sign-up bonus
- No annual fee
- Unlimited rewards
Cons
- Short 0% APR period
- No 0% APR on balance transfers
- Rewards do expire
- Free employee cards with individual credit limits
- Protection against terminated employees’ misuse up to $100,000
- Free online reporting with spend analysis to help you make informed decisions about your expenses
U.S. Bank Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Triple Cash Rewards World Elite Mastercard® offers a 0% APR for the first 15 billing cycles for both purchases and balance transfers. This card is a great option if you need a long APR period. You can also earn a $500 cash back after spending $4,500 in the first 150 days after opening an account.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
0% for first 15 billing cycles
Regular APR
14.74% - 23.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 14.24% to 23.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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 1 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.
Intro APR
0% for first 15 billing cycles
Regular APR
14.74% - 23.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 14.24% to 23.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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 1 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.
PNC points® Visa® Business Credit Card
The PNC points® Visa® Business Credit Card comes with a low APR range, zero annual fees, and offers fixed-rate rewards on all purchases. It also offers a 0% APR period for nine months on both balance transfers and purchases. This card is a good alternative if you want to earn more points as it offers 5 points for every dollar spent on eligible purchases.
PNC points® Visa® Business Credit Card
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
10.99% to 19.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- No annual fee
- Unlimited 5 points per dollar on all eligible purchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- Low ongoing APR
- Ongoing rewards
Cons
- Short 0% APR period
- Rewards do expire
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
10.99% to 19.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- No annual fee
- Unlimited 5 points per dollar on all eligible purchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- Low ongoing APR
- Ongoing rewards
Cons
- Short 0% APR period
- Rewards do expire
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
For other credit card alternatives, check out our guide to the best small business credit cards.
Bottom Line
The Community Banks of Colorado Visa® Business Real Rewards Credit Card is a good option if you have an existing account with the Community Banks of Colorado. This is a good option if you want to earn unlimited fixed-rate rewards. If you think this card isn’t what you’re looking for, visit our Credit Card Marketplace to find other options.
