Bremer Bank Business Real Rewards Card

The Bremer Bank Business Real Rewards Card is a business card for those who want a flat, no-fuss rewards rate. The card is issued by Elan Financial Services, which issues of several cards under different banks. It has a small welcome offer when you make your first purchase, and cardholders will earn 1.5 points (1.5% cash back) on all eligible purchases. There is also an introductory 0% APR on purchases and balance transfers for the first 6 months. It’s not a terrible card, but there are better options. We dive into the details and your approval odds in this Bremer Business Real Rewards review.

Bremer Bank Business Card

Our Rating

3.2/5.0

Welcome Offer

Earn 2,500 bonus rewards points

Annual Fee

$0

0% Intro on Purchases

6 months

Reward Rate

1.5x points

0% Intro on Balance Transfers

6 months

Welcome Offer

Earn 2,500 bonus rewards points after your first purchase.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance

Rewards

1.5x points
All eligible purchases
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2% 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 APR19.24% to 28.24% (V) APR
Balance Transfers0% Intro APR for 6 months on balance transfers, then 19.24% to 28.24%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
Purchases0% Intro APR for 6 months on purchases, then 19.24% to 28.24% (V) APR after that.

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • 1.5x points
Cons
  • High APR
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.6

Rewards Range

1.5%

Annual Fee

$0

U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card

Rating

4.5

Rewards Range

1% - 5% Cash Back

Annual Fee

$0

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