Costs & Pricing

Metric	Business Advantage Unlimited Cash Rewards	Jeff Bank Business Zero+ Card
Annual fee	$0	$0 (ongoing; no first-year-only language). Jeff Bank Business Zero+ page, Sept. 3, 2026.
Employee card fee	$0 (no published cap on number)	$0 (Jeff Bank business-card feature list: no fee for additional employee cards). Zero+ page does not separately restate it.
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based)	0% intro for first 18 billing cycles, then 16.24%–25.24% variable based on creditworthiness at opening; varies with Prime. Live Jeff Bank Business Zero+ marketing disclosure, Sept. 3, 2026. Full Schumer box not on the page — confirm terms link at apply.
Intro APR (purchases)	0% for 7 billing cycles, then 16.74%–26.74% variable	0% for 18 billing cycles, then 16.24%–25.24% (V). New-account intro. Missing a due date can end the intro under Elan family rules.
Foreign transaction fee	3%	Not disclosed on Jeff Bank Zero+ page. Elan business family and sibling Zero+ pages: 3% of each foreign transaction. Family standard — confirm terms.
Late payment fee	Not disclosed on public product pages	Not disclosed on Jeff Bank page. Elan STD_BIZ as of Jan. 10, 2025: $41.

Rewards & Value

Metric	Business Advantage Unlimited Cash Rewards	Jeff Bank Business Zero+ Card
Base earn rate	1.50% unlimited on all Net Purchases (no category cap)	Not advertised. Jeff Bank Business Zero+ page and Elan Business Zero+ description disclose only 5% on prepaid Travel Center bookings. Treat everyday earn as not offered / $0 unless Program Rules say otherwise. Do not import Cash Preferred’s 3%/1%.
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 advertised as of Sept. 3, 2026. Do not attach Business Cash Preferred’s limited-time $350 cash-back promo to this SKU.
Redemption value	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	Cash-back product at face value via statement credit or deposit to an eligible Jeff Bank checking/savings account. No transfer partners. Page copy saying no cap on points is leftover template language on a cash-back SKU. Do not treat 5% as travel MCC spend.
Transfer partners	None	Not offered

Credit & Eligibility

Metric	Business Advantage Unlimited Cash Rewards	Jeff Bank Business Zero+ Card
Personal guarantee	Required in substance — cards are backed by personal credit	Not quoted on Jeff Bank or Elan marketing pages. Elan small-business applications collect authorized-officer personal information; treat as likely required — confirm on application. Not a no-PG startup card.
Credit check	Hard personal pull on applying owner/authorized officer	Not disclosed officially. Secondary capital-stacking writeups of Elan business cards commonly cite a TransUnion hard pull and delinquency-only personal-bureau reporting — commonly reported, not official Jeff Bank policy.
Employee cards	Free; no published numeric cap; employee-transaction monitoring	Allowed; no additional-card fee on Jeff Bank’s business-card feature list; expense-reporting tools and spend tracking. Numeric cap, lock controls, and liability split not disclosed on the Zero+ page.
Product type	Revolving small-business credit card	Revolving business credit card (intro 0% then variable purchase APR; BTs and cash advances available; Card ExtendPay installment option). Not a charge card. Not a fintech spend-management / net-terms product.

Pros & Cons

Business Advantage Unlimited Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Uncapped 1.5% on all Net Purchases; PRFB can take it to 1.87%/2.25%/2.62%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• No category tracking, no $50k bonus cap
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 2.62% requires business checking and $100k combined BofA/Merrill balances
• Personal-credit underwriting and personal liability
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT
• No transfer partners, lounge, or TSA credits; 1.5% trails 2% flats without PRFB

Jeff Bank Business Zero+ Card

Pros

• $0 annual fee on the official product page (Sept. 3, 2026)
• 0% intro APR for 18 billing cycles on purchases and on BTs made within 558 days — among the longer publicly advertised business 0% windows
• Free additional employee cards on Jeff Bank’s business-card feature list
• 5% + $50/card credit if the firm actually prepays travel in the Elan Travel Center
• Cell-phone protection up to $600 when the bill is paid with the card; once-a-year 3-month $0 ExtendPay after intro ends

Cons

• No advertised everyday earn rate — a poor daily driver versus 1.5–2% no-fee business cards
• Full Schumer box not on the Jeff Bank page (BT fee, CA fee, late/overlimit/penalty APR must be pulled from the terms link)
• 3% FTF is the Elan business-family standard
• Go-to APR 16.24%–25.24% makes leftover balances costly after the intro
• Personal guarantee / hard-pull details unpublished; $50 credit requires $5,000 portal travel per card

Verdict

Business Advantage Unlimited Cash Rewards

Unlimited is the simple SKU in the Business Advantage cash pair — 1.5% with no cap, or up to 2.62% if Preferred Rewards for Business Platinum Honors is real for you. It is not Customized (3%/2%/1% with a $50k cap). Without PRFB it is a fine no-fee 1.5% card that loses to Ink Unlimited's bonus and Spark Select's longer 0% window. With PRFB it becomes one of the better uncapped cash rates in the set. Skip it for foreign spend or no-PG underwriting.

Jeff Bank Business Zero+ Card

Same Elan Visa Business Zero+ SKU as First Federal’s cobrand, branded for Jeff Bank (Sullivan/Orange Counties, NY). It is not the consumer Jeff Bank Zero+ (21 cycles / 4% / $15) and not Business Cash Preferred ($350 / 3%/1%). Buy as a no-fee 0% float tool; pair with a flat cash-back card for everyday spend. Open the Jeff Bank terms link before quoting BT/CA fees.