Community Banks of Colorado Visa® Business Real Rewards Credit Card Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
Community Banks of Colorado Visa® Business Real Rewards Credit Card is designed for business owners with an existing deposit account with Community Banks of Colorado. This small business credit card has no annual fee, offers unlimited rewards, and comes with Visa-specific benefits, such as extended warranty, purchase protection, and emergency assistance.
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.
Community Banks of Colorado Visa® Business Real Rewards Credit Card
BEST FOR:
Those who prefer fixed-rate rewards
Intro APR
0% APR for the first six billing cycles on purchases and balance transfers
Regular APR
17.74% to 26.74% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
- Unlimited 1.5 points for every eligible net dollar you spend
Pros
- With sign-up bonus
- Offers unlimited fixed rate rewards
- Doesn’t charge annual fees
Cons
- Short APR period on both purchases and balance transfers
- Rewards expire within five years
- Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
- Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
- Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
- Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card
Intro APR
0% APR for the first six billing cycles on purchases and balance transfers
Regular APR
17.74% to 26.74% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
- Unlimited 1.5 points for every eligible net dollar you spend
Pros
- With sign-up bonus
- Offers unlimited fixed rate rewards
- Doesn’t charge annual fees
Cons
- Short APR period on both purchases and balance transfers
- Rewards expire within five years
- Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
- Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
- Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
- Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card
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 weigh the ongoing and introductory rewards. 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 | 8 | 10 |
Ongoing APR | 7 | 10 |
Total Score | 75 | 100 |
Who The Community Banks of Colorado Visa® Business Real Rewards Credit Card is Best For
- Those who prefer fixed-rate rewards: It offers unlimited, fixed-rate points for all purchases, regardless of spending categories.
- Those with existing Community Banks of Colorado deposit accounts: If you already bank with the provider, getting this card allows you to manage all of your business transactions in one bank.
Check out our recommended alternatives below if this isn’t what you’re looking for.
Community Banks of Colorado Visa® Business Real Rewards Credit Card Fees
APR
- Introductory APR on purchases: 0% for the first six billing cycles after opening an account
- Introductory APR on balance transfers: 0% for the first six billing cycles for balances transferred within 186 days from account opening
- Ongoing APR on purchases and balance transfers: 17.74% to 26.74% variable, which will adjust with the prime rate
- Cash advance APR: 29.74% variable, which will adjust with the prime rate
- Penalty APR: 30.99% variable, which will adjust with the prime rate; will be applied to your account if you do one of the following:
- Make a payment five calendar days late twice or 30 calendar days once
- Make 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 do not exceed your credit limit during that period.
Fees
- Annual: $0
- Balance transfer and convenience check cash advance: Either $5 or 3% of the amount transferred/advanced, whichever is higher
- Foreign transaction: 2% of each foreign transaction in US dollars and 3% of each foreign transaction in a foreign currency
- Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 4% of the amount of each transaction, whichever is greater
- Overdraft protection: $10
- Late payment:
- $19 on balances up to $100
- $29 on balances from $100 to $250
- $39 on balances of $250 or more
- Returned payment: $35
- Overlimit: $39
Your due date is within 24 to 30 days after the close of each billing cycle.
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 1.5 points for every eligible net dollar you spend
Earned points can be redeemed as a cash deposit to a checking or savings account within seven business days or as a statement credit to your credit card account within one or two billing cycles.
How to Make Payments on the Community Banks of Colorado Visa® Business Real Rewards Credit Card
- Autopay: Set up an automatic monthly withdrawal from your Community Banks of Colorado checking or savings account.
- Phone: Call the automated system at (866) 552-8855 from any touch-tone phone.
- Online: Log in to your account at www.myaccountaccess.com.
Community Banks of Colorado Visa® Business Real Rewards Credit Card Features
- Management benefits: Community Banks of Colorado can help you build your credit history and protect you against terminated employees’ misuse of up to $100,000.
- Online reporting with spend analysis: The card comes with a free online tool that lets you review your credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis. You can even view your expenses by total spending, average ticket, or merchant and download an account summary with up to 36 months of data.
- Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly—and the bank will notify you of any unusual card activity. Zero fraud liability protects you from fraudulent use of your card or account information if your card is lost or stolen. You won’t be responsible for any unauthorized purchases.
- Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card. Certain conditions and exclusions apply, so check the terms and conditions detailed in the guide for your credit card.
- Purchase protection: Items purchased with this card are protected against damage and theft for 90 days. Check the terms and conditions in the guide of your credit card for certain exclusions.
- Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage insurance when you charge your entire rental to your Visa business credit card. You need to decline the rental company’s collision damage waiver option to receive 24-hour coverage for damage due to collision or theft.
- Travel and emergency assistance: In case of an emergency while you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information. You can also call to report a lost or stolen card and request an emergency card replacement, medical and legal referrals, and transportation assistance. The cardholder will be responsible for fees associated with these services.
Community Banks of Colorado Visa® Business Real Rewards Credit Card Alternatives
Community Banks of Colorado Visa® Business Cash Preferred Credit Card
Community Banks of Colorado Visa® Business Cash Preferred Credit Card
BEST FOR:
Those who have existing Community Banks of Colorado savings or checking accounts
Intro APR
0% APR for the first six billing cycles
Regular APR
17.74% to 26.74% variable
Annual Fee
$0
Credit Needed
Good
- 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
- Unlimited 1% cash back on all other eligible purchases
- $100 annual software credit after spending on software subscriptions for 11 consecutive months
Pros
- With sign-up bonus
- Offers rewards with no caps or limits on the number of rewards you can earn
- Doesn’t charge annual fees
Cons
- Short APR period on both purchases and balance transfers
- Rewards expire five years from the end of the quarter in which they are earned
- Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
- Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
- Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
- Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card
Intro APR
0% APR for the first six billing cycles
Regular APR
17.74% to 26.74% variable
Annual Fee
$0
Credit Needed
Good
- 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
- Unlimited 1% cash back on all other eligible purchases
- $100 annual software credit after spending on software subscriptions for 11 consecutive months
Pros
- With sign-up bonus
- Offers rewards with no caps or limits on the number of rewards you can earn
- Doesn’t charge annual fees
Cons
- Short APR period on both purchases and balance transfers
- Rewards expire five years from the end of the quarter in which they are earned
- Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
- Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
- Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
- Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card
- Community Banks of Colorado Visa® Business Cash Preferred Credit Card is a good alternative if you want cash back on gas stations, cell phone service providers, office supply stores and restaurants.
- Lets you earn unlimited 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, including takeout and food delivery services, and unlimited 1% cash back on all other eligible purchases
- Offers 0% introductory APR on both purchases and balance transfers for the first six billing cycles
- Has no annual fees
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.24% - 27.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 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, cell phone 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 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 purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.24% - 27.24%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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 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.
Intro APR
Regular APR
18.24% - 27.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 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, cell phone 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 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 purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.24% - 27.24%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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 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 Business Triple Cash Rewards World Elite Mastercard® is optimal for those wanting a longer 0% introductory APR
- Offers 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles
- Has no annual fees
- Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other net purchases
- Is our leading business credit card with no annual fee and one of our best business credit card balance transfer offers and business credit cards that don’t report to personal credit
PNC points® Visa® Business Credit Card
PNC points® Visa® Business Credit Card
BEST FOR:
Those who need to carry a balance
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
14.74% to 23.74% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dolar spent on business-related purchases
- No annual fees
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
14.74% to 23.74% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dolar spent on business-related purchases
- No annual fees
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
- PNC points® Visa® Business Credit Card is a great option for those wanting to earn more points with no spending categories
- Lets you earn unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of
- Comes with 0% APR on purchases and balance transfers for the first nine billing cycles
- Has no annual fees
- Is one of our top-recommended credit cards for nonprofits
Visit our Credit Card Marketplace and check our guide to the best small business credit cards for additional options.
Bottom Line
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. Not only does it have a 0% introductory APR on both purchases and balance transfers for the first six billing cycles, but it also offers unlimited 1.5 points for every eligible net dollar spent and a welcome bonus of 2,500 bonus points after your first purchase—redeemable for $25 cash back, merchandise, gift cards, or travel savings.
