Business Credit Cards
Council Bluffs Savings Bank is committed to being your
"Hometown Bank". We are proud to serve the community of Council Bluffs and the surrounding area and we are especially proud to offer a truly unique
"Hometown" credit card, a first of its kind for the Council Bluffs area. Please see the product details below and choose your method to apply for one of these exclusive Council Bluffs Savings Bank credit cards.
|
Product
Offering |
 |
|
| |
Business Card
» 0%
introductory rate for the first 12 months
**
» No
annual or balance transfer fees
»
Purchase security and
extended protection
»
Travel and emergency assistance
»
Generous credit line
» Online
account access and detailed statements at
www.managemycreditcard.com
»
Additional cards available after account set up.
»
Simplified expense
management
and separate personal and
business expenses |
Business Rewards Card
» 0%
introductory rate for the first 12 months **
»
No balance transfer fees
»
Purchase security and
extended protection
» Generous
credit line
»
Travel and emergency
assistance
» Online
account access and detailed statements at
www.managemycreditcard.com
»
Additional cards available after account set up
Included Rewards
Program
»
Earn 1 point for every $1
in net purchases
»
Redeem points for airline
tickets, gift certificates, even cash
»
Receive a free airline
ticket after 25,000 points
|
|
Intro Rate |
0% for first 12 months on purchases
and balance transfers |
0% for first 12 months on purchases
and balance transfers |
| Purchase
APR |
Prime + 5.99%
|
Prime + 7.99% |
|
Cash APR |
Prime + 10.99%
Floor of 19.99% |
Prime + 10.99%
Floor of 19.99% |
| Cash Fee |
3.5% or $5.00 whichever is greater |
3.5% or $5.00
whichever is greater |
|
Nuisance Fees - Late, Overlimit, NSF |
$35 |
$35 |
|
Additional Benefits |
» $400,000
Travel accident insurance
» Individual or Consolidated billing
|
» $400,000
Travel accident insurance
» Individual or Consolidated billing
» Business Rewards ($0 first year; $35 per card annually
thereafter)
|
How to apply
Stop in one of our convenient locations for an
application.
Downtown Location
117 Pearl Street
Council Bluffs, IA 51503
or
Mall Location
1751 Madison Avenue
Council Bluffs, IA 51503
* Cardholder must meet these 3 conditions: 1. The
cardholder must have exercised reasonable care in
safeguarding his or her card from risk of loss or theft;
2. The cardholder must not have reported two or more
incidents of unauthorized use within the preceding 12
months; 3. The account must be in good standing.
** Business and Business Rewards:
Upon qualification. Introductory rate is for the first
12 billing cycles and applies to purchases and balance
transfers. After the introductory period, the APR will
be variable. The APR for Purchases and Cash Advances is
based on the WSJ Prime Rate plus a margin, and the rate
is calculated monthly by adding the margin applicable to
the account to the WSJ Prime Rate. As of 06/01/09, the
WSJ Prime Rate is 3.25%. APRs are a competitive 9.24%
for Business and 11.24% for Business Rewards. Cash
Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR
as of 05/01/08. Delinquency APR: 23.99%. Minimum finance
charge: $1.00. Cash advance fee: $5.00 or 3.50% of the
total dollar amount, whichever is greater.
Foreign currency transaction fee: 3% of the U.S. dollar amount of each Foreign
Transaction that posts to your account. See application
for details.
Email:
question@cbsavingsbank.com
|
