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Credit Needed
Excellent

Fulton Bank of New Jersey Visa® Business Bonus Rewards PLUS Card Review

Top Features

Cashback on Gas
1.50%
Cashback on groceries
1.50%
Cashback on other
1.50%
Annual Fee
$50 for the first year and every year after it will be $50 for Account Owners and $0 for Authorized Employees

This card compared to other cash back cards

Card Name
Fulton Bank of New Jersey Visa® Business Bonus Rewards PLUS Card
Cashback on Gas
1.50%
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1.50%
1-5%
Unlimited 1.5% cash back
Cashback on other
1.50%
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
0% introductory APR for the first 6 billing cycles
Period:
6 billing cycles
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
12.49% - 23.49% (Variable) 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

Fulton Bank of New Jersey Visa® Business Bonus Rewards PLUS Card details

Balance Transfer Intro APR:
0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening.
Balance Transfer Intro Period:
6 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first 6 billing cycles
Period:
6 billing cycles
Purchase APR:
12.49% - 23.49% (Variable)
Annual Fee:
$50 for the first year and every year after it will be $50 for Account Owners and $0 for Authorized Employees
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 8.74% - 19.74%
 8.74% - 19.74%
 20.74%
APR:
  12.49% - 23.49% (Variable)
 12.49% - 23.49% (Variable)
 24.49% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0% introductory APR for the first 6 billing cycles
 0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening.
 N/A
Intro Period:
 6 billing cycles
 6 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 28.99% (Variable); If your APRs are increased for any of the stated reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
Default/Penalty Margin:
 25.24%
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 This APR may be applied to your account if you:1) Make payments 5 calendar days late twice or 30 calendar days once; or2) Make a payment that is returned; or3) If you exceed your Credit Limit 2 times in 12 consecutive months.

Credit Card Fee Information:


Annual Fee:
 $50 for the first year and every year after it will be $50 for Account Owners and $0 for Authorized Employees
Foreign Transaction Fee:
 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
Late Fee:
 $19 on balances up to $100, $29 on balances from $100 up to $250, $39 on balances of $250 or more
Over-the-limit Fee:
 Up to $39
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.  


Notes:

Rebate Description:
 Earn 1 point for every net $1 you spend. Get a 50% bonus on all points earned every month, automatically. No caps or limits on the points you can earn, plus you have five years to redeem points for rewards. Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
Special Notes:
 Applicant must be 18 years of age and have a U.S. address and Social Security Number. Convenience Check Cash Advance Fee: Either 3% of the amount of each advance or $5 minimum, whichever is greater. Cash Advance ATM Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater. Cash Equivalent Advance Fee: Either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 Elan Financial Services for Fulton Bank of New Jersey
General Correspondence Address:
PO Box 6354
Fargo, ND 58125
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good