Associated Bank Smart Business Rewards Card
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The Associated Bank Smart Business Rewards Card is a business card designed for people who want cash back but don’t want to fuss with categories. You simply earn 2x points in your top two spend categories every month. As to what categories are eligible, the answer is: pretty much anything, from advertising to HVAC services. There is also a welcome offer and the annual fee is waived for the first year. Rewards are redeemable for five years: after that, they expire. We dive into the details and your approval odds in this Associated Smart Business review.
Our Rating
4.0/5.0
Welcome Offer
Earn 20,000 bonus rewards points ($200)
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
0% on Purchases
N/a
Reward Rate
1x to 2x points
0% on Balance Transfers
N/a
Welcome Offer
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
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 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. |
| Foreign Transaction Fee | None |
| Regular APR | 21.24% to 26.24% (V) APR |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- 2x points on top two spend categories
- Annual fee
- High APR
- Requires good credit
What Are the Best Alternatives?
U.S. Bank Business Leverage® Visa Signature® Card
Rating
4.5
Rewards Range
1% to 5% cash back
Annual Fee
$0 intro annual fee the first year, $95 thereafter
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0