Community Bank Business Card
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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.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
18 billing cycles
Reward Rate
No rewards
0% on Balance Transfers
18 billing cycles
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
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 | 17.24% to 26.24% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 17.24% to 26.24%(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 18 months on purchases, then 17.24% to 26.24% (V) APR after that. |
Pros & Cons
- No annual fee
- Long 0% intro APR offer
- No welcome bonus
- No rewards
- High APR
- Foreign transaction fee
What Are the Best Alternatives?
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
Rating
4.0
Rewards Range
No rewards
Annual Fee
$0
BMO Business Platinum Rewards Credit Card
Rating
4.0
Rewards Range
1x - 5x points
Annual Fee
$0