Associated Bank Business Real Rewards Card
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The Associated Bank Business Real Rewards Card is a business card designed for people who want a simple reward system. If you prefer to bank in-branch, then it helps if you live in Minnesota, Wisconsin, or Illinois. The card offers 2,500 points when you make your first purchase, which is $25 in rewards. Not a huge bonus, but every little bit helps. Business owners can also take advantage of the 0% introductory APR offer on purchases and balance transfers for the first 6 months. Remember to redeem your accumulated rewards within five years or they’ll expire. We dive into the details and your approval odds in this Associated Business Real Rewards review.
Our Rating
3.5/5.0
Welcome Offer
Earn 2,500 bonus rewards points
Annual Fee
$0
0% on Purchases
6 months
Reward Rate
1.5x points
0% on Balance Transfers
6 months
Welcome Offer
Earn 2,500 bonus rewards points after your first purchase.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| 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 |
| Regular APR | 19.24% to 28.24% (V) APR |
| Balance Transfers | 0% Intro APR for 6 months on balance transfers, then 19.24% to 28.24%(V) APR after that. |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
| Purchases | 0% Intro APR for 6 months on purchases, then 19.24% to 28.24% (V) APR after that. |
Pros & Cons
- Welcome offer
- No annual fee
- 1.5x points
- High APR
- Foreign transaction fee
- Requires good credit
- Rewards expire if you don't use them
- Welcome offer is small
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0