Costs & Pricing

Metric	Business Advantage Customized Cash Rewards	First Federal Community Bank Business Zero+ Card
Annual fee	$0	$0 (ongoing; Elan product suite + Horizon Zero+ + WalletHub FFCB listing 11 Aug 2026)
Employee card fee	$0 (no published cap on number)	$0 (no fee for additional employee cards)
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based; Prime + margin not printed on marketing summary)	0% intro for first 18 billing cycles, then 16.24%–25.24% variable based on creditworthiness at opening (varies with WSJ Prime). Horizon Bank official Zero+ disclosure; WalletHub assigns the same band to this cobrand. With Prime 6.75% (WSJ, 2 Sep 2026) implied margins ≈ Prime + 9.49% to Prime + 18.49%. First Federal does not post its own public Schumer box — confirm live box at apply.
Intro APR (purchases)	0% for 7 billing cycles, then 16.74%–26.74% variable	0% for first 18 billing cycles from account opening, then assigned purchase APR. Does not apply to cash advances. Intro can end early if late payment, returned payment, or overlimit (standard Elan sibling language).
Foreign transaction fee	3%	3%
Late payment fee	Not disclosed on public product pages	WalletHub max $41 (11 Aug 2026). Older Elan PDFs said up to $39. Treat $41 as aggregator; confirm live box.

Rewards & Value

Metric	Business Advantage Customized Cash Rewards	First Federal Community Bank Business Zero+ Card
Base earn rate	1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%)	None on ordinary purchases. Program rules: Cash Rewards are not earned for any Purchases other than prepaid air / car / attractions / hotel booked via the Rewards / Travel Center.
Welcome bonus	$500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026)	None. Official Elan Zero+ Business copy and WalletHub: no initial rewards bonus.
Redemption value	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	Cash back at 1¢ per 1% via statement credit or deposit to a checking/savings account at this Financial Institution only. Rewards Card value may vary. Do not treat 5% as travel-category MCC. Do not assume 1% on other spend.
Transfer partners	None	Not offered

Credit & Eligibility

Metric	Business Advantage Customized Cash Rewards	First Federal Community Bank Business Zero+ Card
Personal guarantee	Required in substance — cards are backed by personal credit; owner/authorized officer applies	Required. Owner and business jointly and severally liable; owner remains individually liable. Elan Company Card (corporate liability, typically $5M+ sales, 2+ years) is a different product.
Credit check	Hard personal pull on applying owner/authorized officer (treat as hard unless a prequalification tool says otherwise — none advertised)	Hard personal inquiry expected on the owner. Industry reporting: Elan TransUnion primary (not confirmed on firstfed.com). WalletHub user: inquiry from Elan Financial Services/First Federal Community.
Employee cards	Free; no published numeric cap; employee-transaction monitoring. Per-card sub-limits Unclear vs the separate CORP product.	Allowed; $0 additional-card fee. Add via MyAccountAccess Manage Employees (legal name, DOB, SSN, address). Variable credit limits and authorization controls listed as a generic business-card feature. Owner/business remain liable.
Product type	Revolving small-business credit card	Revolving business credit card (intro 0% then variable purchase APR). Not a charge card. Not Elan’s Visa Business Company Card (corporate liability).

Pros & Cons

Business Advantage Customized Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Monthly-switchable 3% category plus 2% dining (first $50k combined); PRFB can take choice to 5.25%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• Cash redeems to deposit, statement, or check; no expiration while open
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 3%/2% share one $50,000 calendar cap, then 1% (+ PRFB)
• Headline 'up to' rates require business checking and $20k–$100k combined balances
• Personal-credit underwriting and personal liability; not a no-PG startup card
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT

First Federal Community Bank Business Zero+ Card

Pros

• $0 annual fee and $0 extra-card fee
• 0% intro APR for 18 billing cycles on purchases and on timely BTs — among the longest business-card intros advertised in 2026
• BT window extends 558 days after opening on the aggregator box (same Elan SKU across partners)
• 5% cash back + $50/card credit on Rewards Center prepaid travel if you actually use the portal
• Optional 3-month $0 ExtendPay once per year after intro ends; cell-phone protection up to $600 when the bill is paid with the card

Cons

• No cash back on ordinary business spend — portal prepaid travel only
• Go-to purchase APR 16.24%–25.24% variable is expensive float after the intro
• 3% BT fee and 3% foreign-transaction fee
• Personal guarantee; Elan may pursue the owner for all account charges
• First Federal does not publish the live Schumer box on its site; rewards travel headline is easy to misread as airline/hotel MCC bonuses

Verdict

Business Advantage Customized Cash Rewards

Customized is the category SKU, not the flat 1.5% Unlimited card. It wins when gas, office supply, travel, telecom, computer services, or consulting plus dining stay under $50k combined. After the cap, or if you will not enroll in PRFB, Unlimited is usually simpler. Poor fit for foreign spend, ad-heavy businesses, or anyone who needs no personal guarantee.

First Federal Community Bank Business Zero+ Card

This is Elan’s Visa Business Zero+ cobranded for First Federal Community Bank (Dover, OH / firstfed.com) — not a card the bank underwrites, not the consumer Zero+ twin, and not Bucyrus ffcb.com. It is a 0% float tool with thin portal-only rewards, not a daily driver. Pair it with a 2–5% earn card. Confirm the live rates-and-fees box at application.