Costs & Pricing

Metric	Engine X	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; unlimited physical and virtual cards	$0 (Jeff Bank business-card feature list: no fee for additional employee cards). Zero+ page does not separately restate it.
Purchase APR	N/A — charge card. No purchase interest if paid by due date. No published purchase APR range. Marketing “0%” means no annual fee plus charge-card float until the due date, not an intro APR.	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)	Not offered (not a revolving product)	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	$0 (International Transaction Fee: $0 / None). Ordinary Visa FX conversion still applies (rate not separately itemized).	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	$40 per late payment	Not disclosed on Jeff Bank page. Elan STD_BIZ as of Jan. 10, 2025: $41.

Rewards & Value

Metric	Engine X	Jeff Bank Business Zero+ Card
Base earn rate	1.5% back in Engine points on Qualifying Card Purchases (everyday / off-Engine spend, including flights even if booked on Engine)	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	20,000 Engine points after the company activates an Engine X card and completes $2,000 in Qualifying Off-Platform Purchases within 30 days of first Card activation. Off-platform = card spend not booked through Engine.com. Engine travel bookings do not count. Employee/additional-card off-platform spend does count (company-level). First-time Engine X customer; one bonus per company. Offer ends 11:59 p.m. ET, 31 December 2026 (incentive terms updated 1 Jun 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	Official cents-per-point not disclosed. Points have no cash value and are redeemable only through the program. Checkout shows a point-to-dollar value before confirm. Secondary (TPG, 20 Aug 2026): statement credit described at ~50% of booking value — unofficial; do not hard-code 1¢ or 0.5¢ as issuer fact. Disclose user-selectable factor: 1.0× if redeemed for Engine bookings; 0.5× if using TPG’s statement-credit haircut.	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	Not offered (no Chase/Amex/airline transfers)	Not offered

Credit & Eligibility

Metric	Engine X	Jeff Bank Business Zero+ Card
Personal guarantee	Official apply page: “We also do not require personal guarantees.” Program terms: company is the liable party. Owner KYC still collected. Confirm no hidden guaranty in the Issuing Bank Terms accepted at offer.	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	Official: no hard pull, will not impact personal credit score. Soft-pull vs none-at-all on a bureau file is not separately named. Last-4 SSN is for identity verification (CIP), not described as a full credit pull.	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	Unlimited physical + instant virtual, including 1099 / temporary workers. Spend controls by employee, project, expense type, category, merchant, transaction. Physical cards ~8 business days. Company remains liable.	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	Business charge card + spend-management card (pay-in-full each cycle; assigned line of credit; no revolving APR). Not a consumer credit card. Sibling: Direct Bill (credit line limited to Engine hotel/flight/car bookings — not this 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

Engine X

Pros

• $0 annual fee and $0 employee/virtual-card fees
• 6% (scaling to 10%) Engine points on Engine hotel and rental-car bookings — unusual on-platform travel earn at $0 fee
• No personal guarantee and no hard personal credit pull (official apply language)
• Charge card + Autopay + spend controls + unlimited cards for employees and 1099s; travel booking, policy, and folios in one dashboard
• $0 foreign-transaction fee in the fee table

Cons

• Elevated earn does not apply to flights or off-Engine hotels; marketing “up to 10% on travel” is broader than the legal category
• Pay-in-full charge card; $40 late / $40 returned-payment fees; no revolver
• Points have no cash value; official ¢/point not published; statement-credit value may haircut vs booking (secondary)
• Sole proprietors ineligible; U.S. entity + EIN required
• No published lounge, TSA/Global Entry, or card-insurance benefits guide; product is new (Mar 2026) so limit ranges and servicing quality are thinly documented

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

Engine X

Engine X is a TMC + charge card, not Direct Bill and not Ramp/Brex. Most SMBs stay Silver (6% / 1.5%). Skip it if travel will not move onto Engine, if you need revolving credit or transferable miles, or if you are a sole prop. Confirm the live 20,000-point offer (through 31 Dec 2026) requires $2,000 off-Engine spend within 30 days of first card activation.

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.