WalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateBalance transfer feeHigh regular APRForeign feeRequires good/excellent creditTompkins Community Visa Business Real Rewards Card
Tompkins Community Visa Business Real Rewards Card
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 17.99% - 26.99% (V) APR after that
Balance Transfer
0% intro APR for 6 months, 17.99% - 26.99% (V) APR after that
Balance Transfer Fee
Rewards
Receive 2,500 bonus rewards point (worth up to $25) awarded after your first purchase, redeemable merchandise, gift cards, or travel savings.
Earn 5.5 points per $1 spent on prepaid hotels and car rentals booked directly in the Rewards Center.
Earn 1.5 points per $1 spent on all other eligible purchases.
No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
Tompkins Community Visa Business Real Rewards Card's Additional Info
0% Introductory APR for 6 months on balances transferred within 186 days of account opening.
| cash advance fee | 5% (min $10) |
| cash advance APR | 31.24% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $41 |
| max overlimit fee | $39 |
| max penalty APR | 28.99% - 31.49% (V) |
| grace period | 24 days |
Tompkins Community Visa Business Real Rewards Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Balance transfer fee
High regular APR
Foreign fee
Requires good/excellent credit
Compare The Tompkins Community Visa Business Real Rewards Card vs. Popular Alternatives
annual fee$0 | annual fee$150 | annual fee$895 |
Purchase Intro APR0% for 6 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro apr0% for 6 months|Transfer Fee: 3% (min $5) | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR17.99% - 26.99% (V) | Regular APRN/A | Regular APR18.24% - 28.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Sep 22nd, 2025 at 16:04 ET
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