Community Bank Business Real Rewards Card
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The Community Bank Business Real Rewards Card is a business card designed for people who want a straightforward reward system. There is a small welcome offer when you make your first purchase and 0% introductory APR on both purchases and balance transfers for the first 6 billing cycles. If you want to apply for this card, you’ll have to go to a branch, located in Alabama, Florida, Tennessee, or Mississippi. If you don’t live in one of those states, the Ink Business Unlimited® Credit Card offers the same reward structure. We dive into the details Business Real Rewards review.
Our Rating
2.5/5.0
Welcome Offer
Earn 2,500 bonus rewards points
Annual Fee
$0
0% Intro on Purchases
6 billing cycles
Reward Rate
1.5x points
0% Intro on Balance Transfers
6 billing cycles
Welcome Offer
Earn 2,500 bonus rewards points after your first purchase.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, 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 |
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 | 18.49% to 27.49% (V) APR |
| Balance Transfers | 0% Intro APR for 6 months on balance transfers, then 18.49% to 27.49%(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 6 months on purchases, then 18.49% to 27.49% (V) APR after that. |
Insurance
Extended Warranty
Double the time of manufacturers’ written U.S. warranties by up to 1 year on warranties of 3 years or less, and up to a maximum of $10,000 per claim when you buy eligible items with your credit card. Certain terms, conditions and exclusions may apply.
Purchase Protection
We will replace, repair or reimburse lost or stolen items you purchased entirely with your credit card for up to 90 days from the date of purchase. Certain terms, conditions and exclusions may apply.
Car Rental Loss and Damage Insurance
Save money and enjoy peace of mind. Receive coverage, at no additional cost, for damage due to collision or theft when renting a car. Just charge your entire rental transaction to your card and decline the rental company’s collision damage waiver. Certain terms, conditions and exclusions may apply.
Pros & Cons
- Welcome offer
- No annual fee
- 0% introductory APR offer on purchases and balance transfers
- Foreign transaction fee
- Requires good credit
- Available in a limited geographic area
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0