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About Our Ratings
Credit Needed
Excellent

Steuben Trust Visa® Business Bonus Rewards PLUS Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
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
Steuben Trust Visa® Business Bonus Rewards PLUS Card
Cashback on Gas
3% at U.S. gas stations
5%
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
1%
Cashback on other
1% other purchases. Terms and limitations apply.
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, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
0% introductory APR for the first 6 billing cycles.
Period:
6 billing cycles
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
12.24% - 23.24% (variable) 
13.49%-23.49% Variable 
11.49% - 23.49% Variable 
Rates and Fees
CardRatings.com Editorial Staff

Steuben Trust 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:
12.24% - 23.24% (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:
  12.24% - 23.24% (variable)
 12.24% - 23.24% (variable)
 24.24% (variable)
APR Floor:
 None
 None
 None
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 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:
 The 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:
 $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 Steuben Trust Co
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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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 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, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good