Community Bank Business Card

The Community Bank Business Card is designed for business owners who want a long 0% introductory APR offer. Whether you’re setting up a business or paying off accumulated debt, this is one of the few business cards that offers a 0% intro APR on purchases and balance transfers for a leisurely 18 billing cycles. Other than that, there is no welcome offer and no rewards. You need to live near a Community Bank branch to apply for this card: Alabama, Mississippi, Florida, or Tennessee. We dive into the details and your approval odds in this Community Bank Business review.

Community Bank Business Real Rewards Card

Our Rating

3.5/5.0

Welcome Offer

None

Annual Fee

$0

0% Intro on Purchases

18 billing cycles

Reward Rate

No rewards

0% Intro on Balance Transfers

18 billing cycles

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksNone

Rewards

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 APR17.24% to 26.24% (V) APR
Balance Transfers0% Intro APR for 18 months on balance transfers, then 17.24% to 26.24%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
Purchases0% Intro APR for 18 months on purchases, then 17.24% to 26.24% (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • Long 0% intro APR offer
Cons
  • No welcome bonus
  • No rewards
  • High APR
  • Foreign transaction fee

What Are the Best Alternatives?

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

U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card

Rating

4.0

Rewards Range

No rewards

Annual Fee

$0

BMO Business Platinum Rewards Credit Card
BMO Business Platinum Rewards Credit Card

Rating

4.0

Rewards Range

1x - 5x points

Annual Fee

$0

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