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September 02, 2019

Review: Fulton Bank Business Credit Cards

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FF

Fora Financial

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Fulton Bank offers five cards and depending on your spending patterns, financial history, and personal preferences, one of them could be right for your business. To help you determine if one of these cards would benefit your business, check out our review below.

Which Fulton Bank Business Credit Card is Right for Your Business?

Visa Business Real Rewards Card

The Visa Business Real Rewards Credit Card comes with many perks, including zero annual fees. You’ll receive free employee business cards with individual credit limits, giving you more control over how your employees spend company money. Currently, the card offers an introductory APR of zero percent for the first six billing cycles. For a card with no annual fees, this card provides plenty of rewards, including:
  • 1.5 points for every eligible dollar you spend.
  • No limits or caps on the points you can earn and five years to redeem points for rewards.
  • 2,500 bonus rewards points after your first purchase, which is redeemable for $25 cash back, merchandise, gift cards or travel.
As with all the other cards reviewed in this post, you must be 18 years or older and have a U.S. address and social security number to apply for this credit card.

Visa Business Rewards Plus

If you want to earn rewards that you can  spend at the places you shop at the most, the Visa Business Rewards Plus Card could be a great fit. The card offers triple points on certain purchase categories and 1.5 points on every other purchase. Also, there’s no annual fee for your first year. Although there’s a $99 annual fee, the Rewards Plus card comes loaded with several attractive perks:
  • 3 points for every dollar spent on purchases in the category you spend the most: cell phone, hotel, or airline.
  • 1.5 points for every dollar spent on any other purchase category.
  • No caps or limits to the number of points you can earn.
  • Free employee business cards with individual limits.
  • 20,000 bonus points if you spend $2,000 in the first three months after activation, redeemable for $200 cash back, merchandise, gift cards or travel.
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Visa Business Platinum Card

If you’re looking to pay down your balance on other business credit cards, but struggling to find the best way to do it, consider the Visa Business Platinum Card. While the Platinum card doesn’t offer rewards, it provides an extended introductory period of low interest rates. Despite not having the traditional perks of other business credit cards, this card offers:
  • Extended low introductory rates.
  • Free employee cards with individual limits.
  • Easy-to-use expense management tools.
  • No annual fee.

Visa Business Cash Card

Points-based rewards aren’t for everyone. For those that prefer cash in their pockets, the Visa Business Cash Card is an attractive option. The card offers tiered cashback rewards on a variety of purchase categories. The card offers all the following perks with no annual fee:
  • 3 percent cash back on eligible purchases from office supply stores, landlines, cell phones, internet, and cable TV services.
  • 2 percent cash back on restaurant and gas station purchases.
  • 1 percent cash back on all other purchases.
  • No caps or limits to the amount of cash back you receive.
  • $25 cash back after your first purchase.

Visa CommUNITY Credit Card

Starting a nonprofit is fulfilling but time-consuming work. The last thing you want to think about is the type of credit card to use for all your non-profit expenses. Luckily, Visa offers the CommUNITY card. The CommUNITY card is built specifically for non-profits and municipalities. The following CommUNITY card perks are meant to give your non-profit a kickstart:
  • Generous credit lines.
  • Free employee cards.
  • Rewards program pools points into one central account.
  • Organize and track spending with reporting tools.

Conclusion: Consider Fulton Bank’s Credit Cards for Businesses

While all these cards offer great rewards and perks, choosing which one is best for you can still be challenging. However, understanding the primary benefits of each individual card will help narrow down your choices and focus your decision-making process. For business owners that frequently travel, the Visa Business Rewards Card is a strong option because it offers triple points on airline and hotel expenses. Alternatively, if you’re a cash-strapped startup, the Visa Real Rewards Card’s annual fee of zero is enticing. Of course, since it’s specifically designed for non-profits, the CommUNITY card is a good fit for non-profit operations. Similarly, the Platinum card makes sense if you’re looking to take advantage of its extended period of low interest rates. Finally, if you’re a business owner that prefers cash over rewards, the Visa Business Cash Card should be one of your top candidates. Has your business used a Fulton Bank Credit Card? Tell us about your experience in the comment section below!