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About Our Ratings
Credit Needed
Excellent

Fulton Bank of New Jersey Visa® Business Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
Fulton Bank of New Jersey Visa® Business Card
Cashback on Gas
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1%
5% Earnings for $5k and 2% after
Cashback on other
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0% introductory APR for the first 12 billing cycles
Period:
12 billing cycles
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
10.24% - 21.24% (variable) 
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
CardRatings.com Editorial Staff

Fulton Bank of New Jersey Visa® Business Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first 12 billing cycles
Period:
12 billing cycles
Purchase APR:
10.24% - 21.24% (variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.74% - 17.74%
 6.74% - 17.74%
 20.74%
APR:
  10.24% - 21.24% (variable)
 10.24% - 21.24% (variable)
 24.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0% introductory APR for the first 12 billing cycles
 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening
 N/A
Intro Period:
 12 billing cycles
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 28.99%; If your APRs are increased for any of these 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:
 25.49%
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 Penalty APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once; or make a payment that is returned; or if you exceed your Credit Limit 2 times in 12 consecutive months.

Credit Card Fee Information:


Annual Fee:
 None
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:
 N/A
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:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Credit Needed:
Excellent/Good
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  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
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  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good