Blackhawk Bank & Trust
Credit Cards

VISA® Business Rewards
from Blackhawk Bank & Trust

VISA® Business Rewards
from Blackhawk Bank & Trust

Important Disclosures

Competitive Rates

Competitive Rates

Zero Fraud

Zero Fraud Liability

Customer Service

24/7 Customer Service in the U.S.

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
APR for Cash Advances
Annual Fee
Purchase APRAPR for Cash AdvancesAnnual Fee

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Online account information

Important Disclosures

VISA® Business Rewards
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases12.99%
APR for Balance Transfers12.99%
APR for Cash Advances19.99%
Penalty APR and When it Applies19.99%
This APR may be applied if you are more than 60 days late in paying your bill. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeNone
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
Annual FeeNone
Transaction Fees
• Balance TransferNone
• Cash Advances3% of the advance in excess of $40.00 obtained through ATM's. Charge for any other source is 3% of the advance, $10.00 minimum, $50.00 maximum
• Foreign Transaction1% of each transaction in U.S. Dollars
Penalty Fees
• Late PaymentUp to $25.00
• Over-the-Credit-LimitNone
• Returned PaymentUp to $25.00
Other Fees
• Replacement Card Fee$2.50
• Rush Card FeeWe will charge a rush card fee of $25.00 for express delivery if requested.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.