Bremer Bank Smart Business Rewards Card
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The Bremer Bank Smart Business Rewards Card is a business card designed for those who spend in two business categories that other credit cards don’t often reward. It has a generous welcome offer, given the amount you have to spend to get it, and the annual fee is waived for the first year. You also get free employee cards and rewards are unlimited. On the other hand, some business credit cards offer 2% (or more) on every purchase, such as the Ink Business Premier® Credit Card and that card has a better welcome offer. This is a decent business card, but not spectacular. We dive into the details and your approval odds in this Bremer Smart Business review.

Our Rating
4.0/5.0
Welcome Offer
Earn 20,000 bonus rewards points
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
0% Intro on Purchases
N/a
Reward Rate
1x to 2x points
0% Intro 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 ($200 bonus).
Editorial Review
Features & Benefits
Security | Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 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
- Up to 2x points
- 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

Ink Business Premier® Credit Card
Rating
4.9
Rewards Range
2%-5%
Annual Fee
$195