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NerdWallet > Business Credit Cards > Ent Federal Credit Union Platinum Business Rewards
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Ent Federal Credit Union Platinum Business Rewards
Ent+Federal+Credit+Union Platinum+Business+Rewards Credit Card

(3.5/5 - 3 Votes)
Net Annual Rewards
$277
of Cash
Reward Rate
1.00%
Annual Fee
$0
Signing Promo
$25 Cash Bonus
APR, variable*
Min APR:
9.99%
Max APR:
17.99%
Intro APR Promotions
Purchase:
0% for 6 mos
Transfer:
0% for 6 mos
Summary
  • Earn 1% on purchases
  • 2% on gas, restaurants, and telecom
About Ent Federal Credit Union

Compare To Our Most Popular Cards For The Category

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Compare To Capital One® Spark℠ Miles for Business

Why do we think you should consider this card?

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Reward Details & Calculator

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Rewards Type: Cash

Signing Promotion
($25)/2 yrs
$13
Estimated Annual Rewards
$21,600 * 1.22%
$264
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$277

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 4.0%
$400
Promo APR, First 6 months
$0
APR, 18 months
$1,674
Total
$2,074

*Average APR for Balance Transfers of 9.5% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 6 months
0.00%
Ongoing EAR, 18 months
10.46%
Total EAR, 24 months
7.75%

APR Rankings

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APR
9.99%
ranks #533 out of 1751 cards.
Average is 11.78%.
Balance Transfer Fee
4%
ranks #1317 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
N/A

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1773 cards.
Average is $9.
Base Reward Rate
1%
ranks #69 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1.22%
ranks #80 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$25
ranks #165 out of 1762 cards.
Average is $33.
Credit Card Review: Ent Federal Credit Union Platinum Business Rewards


Author:
NERDBOT

Get an unbiased review of the Ent Federal Credit Union Platinum Business Rewards from the nerds who know finance! We'll give you our take on the perks and drawbacks of this card and tell you how it stacks up against the Ink Cash℠ Business. (Want to check your credit score first? Ask the nerds!)

NerdWallet Review: The Ent Federal Credit Union Platinum Business Rewards

Credit union card: This card is issued by Ent Federal Credit Union. As a credit union, Ent Federal Credit Union is a not-for-profit institution that is owned by its customers, called members, rather than bank shareholders. This means that any profits that the credit union makes are returned to you in the form of rewards or lower interest rates.

No required spending: You'll get your bonus right away, instead of having to spend a certain amount. This means a (sort of) no-strings-attached promo!

No annual fee: There's no annual fee for the Ent Federal Credit Union Platinum Business Rewards. It's great for those looking for a card to supplement another rewards card, or just looking for an easy-to-maintain card that can stay open for a long time. Keeping no-fee accounts open boosts your credit score. Check out more no-fee cards here.

Introductory APR period: This card comes with an intro APR period. This has the benefit of allowing you to make a large purchase and avoid interest payments for a while as you're paying down the debt.

Credit Card Showdown: Ent Federal Credit Union Platinum Business Rewards vs. Ink Cash℠ Business

Smaller signup bonus: Since the card's signup bonus is smaller, you leave some money on the table to begin with. Of course, that isn't the only thing that matters about a card, but still, good to know.

Same late fee: The Ent Federal Credit Union Platinum Business Rewards has the same late fee as the Ink Cash℠ Business. Ideally, you shouldn't have late payment fees anyway. Besides having to pay a one-time charge, you might incur a penalty APR that stays with you for 6 months or more.

Read the full review of the Ink Cash℠ Business on our blog

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