Sage Business Enhanced Visa® Credit Card
$300 cash back after you spend $3,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pageregions.com
“For a limited time, earn $300 in bonus cash back after spending $3,000 or more in the first 90 days of account opening.”
- Annual fee
- Issuer's pageregions.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer documentregions.com · PDF
“16.24%- 26.24%”
- Foreign transaction fee
- Issuer's pageregions.com
“Foreign transaction fee of 3% of the transaction amount in U.S. dollars.”
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $540 | $240 |
| Typical spender | $900 | $600 |
| Heavy spender | $1,620 | $1,320 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 100% of the 647 cards we track.
- No annual fee, like about 85% of the 623 cards we track.
- Lower top APR than about 75% of the 119 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$300 cash
After you spend $3,000 on purchases in your first 3 months.
For a limited time, earn $300 in bonus cash back after spending $3,000 or more in the first 90 days of account opening.
- Larger than about 65% of the 36 other cash bonuses we track.
Spending it takes$1,000 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Relationship Rewards
- 2× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageregions.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer documentregions.com · PDF “16.24%- 26.24%” |
| Intro APR | Issuer documentregions.com · PDF “0% introductory APR for 6 months. a” |
| Balance transfer APR | Issuer's pageregions.com “16.24% – 26.24% APR for balance transfers based on the business' creditworthiness and other factors determined at the time of account opening.” |
| Balance transfer fee | Issuer's pageregions.com “$10 balance transfer fee or 4% of the amount of the balance transferred, whichever is greater.” |
| Cash advance APR | Issuer's pageregions.com “27.99% APR for cash advances.” |
| Cash advance fee | Issuer's pageregions.com “$10 cash advance fee or 4% of the amount of the cash advance, whichever is greater.” |
| Late payment | Issuer's pageregions.com “Late payment fee of up to $49.” |
| Foreign transactions | Issuer's pageregions.com “Foreign transaction fee of 3% of the transaction amount in U.S. dollars.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Visa Travel & Emergency Assistance
- Save up to 15% on business purchases with designated merchants through the Visa SavingsEdge program.
- View and activate Regions Offers in Online and Mobile Banking to earn cash back at select retailers.
- Visa Zero Liability Policy
- Tap to Pay contactless payment option
- Alerts to verify card activity
- 24-hour customer service
- Purchase protection
- Emergency assistance
- Rental car
Questions
- What is the annual fee?
- No annual fee. regions.com, since Oct 7, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of the transaction amount in U.S. dollars.. regions.com, since Oct 10, 2026
- What is the purchase APR?
- 16.24–26.24% APR regions.com · PDF, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. regions.com · PDF, since Sep 29, 2026
- Is there a welcome bonus?
- $300 cash back after $3,000 in purchases in 3 months. regions.com, since Sep 30, 2026
Other points cards with no annual fee
- Usf FCU Visa Signature RewardsUsf Federal Credit Union · No annual fee+$300 a year
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$155 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$95 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).