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Visa Business Zero+Associated Bank · N bank, IA · FDIC 5296

CurrentLast observed Sep 9, 2026Source date Sep 9, 2026Official issuerBusiness · Visa
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Purchase APR
16.24%–25.24%
p.1variable
Balance transfer
0% introductory
p.1then 16.24%–25.24%
Cash advance APR
30.49%
p.1variable
Annual fee
$0
a year
Foreign fee
3%
p.2of the amount
Grace period
24 days–30 days
from cycle close

Rates and fees

Rates and fees, in the order the disclosure prints them
Term, in the disclosure's orderValueAs printed in the documentPage
APR for purchasesintroductory rate first
Introductory0%Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“0% introductory APR for the first 18 billing cycles. After that, 16.24% to 25.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. APR for Balance Transfers 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 16.24% to 25.24% based on your creditw…”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
16.24%–25.24% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“0% introductory APR for the first 18 billing cycles. After that, 16.24% to 25.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. APR for Balance Transfers 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 16.24% to 25.24% based on your creditw…”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
APR for balance transfersintroductory rate first
Introductory0%Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“0% introductory APR for the first 18 billing cycles. After that, 16.24% to 25.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. APR for Balance Transfers 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 16.24% to 25.24% based on your creditw…”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
After16.24%–25.24% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“0% introductory APR for the first 18 billing cycles. After that, 16.24% to 25.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. APR for Balance Transfers 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 16.24% to 25.24% based on your creditw…”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
APR for cash advances30.49% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“APR for Cash Advances 30.49% This APR will vary with the market and is based on the Prime Rate.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
Penalty APRtrigger or duration not fully resolved30.74% variableAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Penalty APR and When it Applies 30.74% This APR will vary with the market based on the Prime Rate, minimum APR 28.99%. This APR may be applied to your account if you: 1. Make a payment 5 calendar days late twice or 30 calendar days late once; or 2. Make a payment that is returned; or 3. If you exceed your Credit Limit 2 times in 12 consecutive months. How Long will the Penalty APR Apply? If your …”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 1
Paying interestgrace period on new purchases
24 days–30 days from the close of each billing cycle——
Purchase interest conditions0% introductory purchase APR for the first 18 billing cycles. Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.——
Minimum interest charge$1——
How we calculate your balanceAverage daily balance including new purchases——
Balance transfers and Flex Plansavailability0% introductory balance-transfer APR for the first 18 billing cycles for balances transferred within 558 days of account opening. An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 558 days of account opening. After that, Either 5% of the amount of each transfer or $5 minimum, whichever is greater. Balance transfer transactions from other Elan Financial Services accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing. Introductory APR may end for late/returned payment or overlimit. Public Associated Bank offer 49P774QPB8; other Elan partners may differ.——
Annual fee$0Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026——
Transaction fees
Cash advance5% of the amount, minimum $10, ATM, other cash advance and cash equivalent advance: 5%, $10 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Either 5% of the amount of each advance or $10 minimum, whichever is greater.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Cash advance5% of the amount, minimum $5, Convenience check cash advance: 5%, $5 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Either 5% of the amount of each advance or $5 minimum, whichever is greater.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Balance transfer3% of the amount, minimum $5, Introductory fee for transfers within 558 days of account opening; then 5%, $5 minimum.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 558 days of account opening. After that, Either 5% of the amount of each transfer or $5 minimum, whichever is greater.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Balance transfer5% of the amount, minimum $5, After the introductory fee window: 5%, $5 minimum per transfer.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 558 days of account opening. After that, Either 5% of the amount of each transfer or $5 minimum, whichever is greater.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Foreign transaction3% of the amount, 3% of each foreign transactionAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“3% of each foreign transaction”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Penalty fees
Late payment$41, Late Payment: $41Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Penalty Fees $41 $40 $39”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Returned payment$40, Returned Payment: $40Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Penalty Fees $41 $40 $39”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Other fees
Card ExtendPayup to 1.60% — for installment plans — Monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay plan; exact fee disclosed on enrollment.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“A monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay Plan.”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Overdraft Protection$0, No overdraft protection fee in this Associated Bank public disclosure; not universal across Elan partners.Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“None”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Over limit$39, Overlimit: $39Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026“Penalty Fees $41 $40 $39”Associated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026p. 2
Balance transfer terms
Transfer windowwithin 558 days of opening the accountAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026——
Grace period on transfersNoAssociated Bank / Elan Financial Services · Page Capture Sep 9, 2026 · Captured Sep 9, 2026——