The Napolean State Bank® Visa® Business Travel CardQuick Summary:
This is a Visa travel rewards card, issued by Elan Financial Services . You can expect travel related rewards earned for purchases made. This card is restricted to business owners with a good to perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. APR's may vary among applicants, however the lowest standard APR is 7.99%* and may be as high as 20.99%* (Variable)*, depending on your credit worthiness*.
There is a balance transfer offer APR of 0.00% for 6 Billing Cycles*.There is also a purchase introductory APR of 0.00% for 6 Billing Cycles*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 3.99% to the U.S. prime rate.
There is an annual fee of $55** for this card.
This is a travel rewards card, where you can expect to earn rewards for leisure or travel.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 750 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.
The grace period listed for The Napolean State Bank® Visa® Business Travel Card is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer.
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.
Currently, we have no applicant results in our system. You can be the first one to help by
submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 750, then your chance of approval may be even greater.
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.
With worldwide acceptance and flexible repayment options, the Visa® Business Travel Card is a smart way for businesses to pay for everything from travel to office supplies, cellular phones charges and select utility bills, to vehicle maintenance, cleaning supplies and internet purchasing. The Visa® Business Travel Card carries all the benefits of the Visa® Business Card plus the ability to earn rewards that can be redeemed for travel on any airline, gift certificates, cash, merchandise and more.
- Accelerated Earning Structure for Rewards
For a low $55 annual fee, earn 2 points for every net purchase dollar spent on travel and lodging.* Earn 1 point for every net dollar on all other purchases. Starting at just 25,000 points, you can redeem for round-trip tickets in the United States. Merchandise, gift certificates and cash are also available reward options.
- Travel Flexibility
Points can be redeemed for travel on any domestic or international airline with no blackout dates, seating restrictions or zone restrictions. You have your choice of ticket class (First, Business or Coach), and do not fly standby. You enjoy greater travel freedom and unlimited seating availability.
- Spending Analysis Reports
With the FREE Visa Information Source Select automated on-line reporting system, Authorizing Officers each receive a detailed spending analysis of every Visa® Business Credit Card purchase for the entire business. In addition, employees can receive detailed reports on their individual card transactions.
- Visa® Virtual Advisor
Helps you get the information you need to manage your small business profitably- access online interactive tools available 24 hours a day, seven days a week.
- Visa Partner Advantage
Save on business supplies and services whenever you use your card at any of Visa’s 20 merchant partners.
- 2,500 Point Enrollment Bonus
Cardmembers automatically earn 2,500 reward points upon enrollment.
- Worldwide Acceptance
Accepted at millions of locations worldwide
- Travel Insurance
Travel and accident coverage at no extra cost when the fare is charged to the Business account.
- Travel Assistance
Lost ticket and luggage replacement assistance, emergency roadside dispatch and medical and legal assistance
- Collision/Damage Insurance
Save up to $20 per day on the cost of car rental collision/damage insurance.
- 24-Hour Cardmember Service
1-866-552-8855, we're here for you every hour, every day. When your card is lost or stolen we'll send replacement cards within 2 business days.
- Extended Warranty
Manufacturers' warranties are doubled for up to one year
- Theft Protection
Cardmembers are not responsible for unauthorized charges as soon as the card is reported lost or stolen.
- Liability Protection
Protects companies up to $10,0002 against eligible losses that might be incurred through misuse by a terminated employee.
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Business Card Rate Comparison
|APR||7.99%* - 20.99%* (Variable)*|
|Avg. Annual Fee||$362**|
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Business cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
View rates and fees for all cards.