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. 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 six 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 six 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 six months on purchases and balance transfers	0% for first six 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	3.5% or $5.00
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 or click here to download the application in pdf format.

Once completed you can mail the application to:
     Card Center, MD MOB1N
     387 Fountain Square Plaza
     Cincinnati, OH 45273-9276

or fax it to:
     513-358-3485

* 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 six 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 05/01/08, the WSJ Prime Rate is 5.25%. APRs are a competitive 11.24% for Business and 13.24% 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.