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About Our Ratings
Credit Needed
Excellent

Tompkins Trust Company Visa® Business Bonus Rewards Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
12.24% - 23.24% (variable) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
Tompkins Trust Company Visa® Business Bonus Rewards Card
Points or Miles
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
12.24% - 23.24% (variable) 
16.24% or 20.24%* Variable 
N/A 
Annual Fee
None
$89 - Waived first year
Introductory annual fee of $0 for the first year, then $195.
Rates and Fees
CardRatings.com Editorial Staff

Tompkins Trust Company Visa® Business Bonus Rewards 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:
APR:
6 billing cycles
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Annual Fee:
None
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
 None


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:
 25.49
Default/Penalty APR Floor:
 None
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:
 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:
 Earn 1 point for every net $1 you spend. 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 Tompkins Trust Company
General Correspondence Address:
 PO Box 6354
Card Type:
 Visa
Card Class:
 Other
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent