Costs & Pricing

Metric	First Federal Community Bank Business Zero+ Card	Local/Regional Credit Union Business Cards
Annual fee	$0 (ongoing; Elan product suite + Horizon Zero+ + WalletHub FFCB listing 11 Aug 2026)	CATEGORY: Often $0; some charge $15–$25 waived with spend — confirm Schumer, not marketing. EXAMPLE A BECU Low Rate and Cash Back: None (rates PDF 1 Sep 2026). EXAMPLE B NFCU GO BIZ: None.
Employee card fee	$0 (no fee for additional employee cards)	CATEGORY: Usually $0; some premium tiers charge per extra card after N cards. EXAMPLE A BECU: not disclosed as a dollar fee; employee cards offered with spend-limit controls. EXAMPLE B NFCU: offered; dollar fee not disclosed publicly.
Purchase APR	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.	CATEGORY: Variable, Prime + margin, often ~11%–29%. EXAMPLE A BECU Low Rate: 14.49%–26.49% variable (WSJ Prime + 7.74%–22.24%), rates PDF 1 Sep 2026. EXAMPLE A Cash Back: 16.99%–28.99% variable (same Prime + margin method). EXAMPLE B NFCU: 16.65%–18.00% variable as of 1 Jul 2026 product footnote; will not exceed 18.00% (agreement); adjusted quarterly off Prime. FAQ also printed 16.90%–18.00% as of 1 Dec 2025 — use 1 Jul 2026 footnote unless a newer PDF is issued. Illustrative: CU1 (AK) 10.25% (Prime + 3.50%) as of 3 Apr 2026; SDCCU 11.74% (Prime + 4.99%, floor 9.99%) effective 30 May 2026.
Intro APR (purchases)	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).	CATEGORY: Common on some local CUs (6 months typical); not universal. EXAMPLE A BECU: not offered. EXAMPLE B NFCU GO BIZ: not offered.
Foreign transaction fee	3%	CATEGORY: Split — many advertise $0; others 1–3%. Official rates table wins. EXAMPLE A BECU: None (rates PDF). EXAMPLE B NFCU: None. Illustrative SDCCU: 3%.
Late payment fee	WalletHub max $41 (11 Aug 2026). Older Elan PDFs said up to $39. Treat $41 as aggregator; confirm live box.	CATEGORY: Often $20–$35. EXAMPLE A BECU: $25. EXAMPLE B NFCU: $20 if min payment missed (can assess each month past due). Illustrative CU1: $30; SDCCU: $25.

Rewards & Value

Metric	First Federal Community Bank Business Zero+ Card	Local/Regional Credit Union Business Cards
Base earn rate	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.	CATEGORY: Most CU business cards are flat 1%–1.5% cash back or 1 point per $1 (≈1¢). Category bonuses uncommon. EXAMPLE A BECU Low Rate: no rewards (APR positioning). EXAMPLE A Cash Back: 1.5% on qualified purchases, no category caps. EXAMPLE B NFCU GO BIZ: 1X = 1 point per $1 eligible purchases; unlimited; no category bonuses; cash redemption 1¢/point (= 1%).
Welcome bonus	None. Official Elan Zero+ Business copy and WalletHub: no initial rewards bonus.	CATEGORY: Modest ($100–$300 or 2,500–25,000 points) or none. EXAMPLE A BECU Cash Back (time-limited): $300 statement credit after $3,000 qualifying purchases in first 3 months; offer now through 30 September 2026. Not available to current cardholders of this card; prior holders who received this bonus in last 12 months; current Business Credit Card holders who switch to Cash Back; anyone who opened a different Business Cash Back account in previous 12 months. EXAMPLE A Low Rate: no published welcome bonus. EXAMPLE B NFCU GO BIZ: none on current public page as of 3 Sep 2026. Do not import Cash Preferred / consumer GO REWARDS bonuses.
Redemption value	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.	CATEGORY: Statement credit (auto monthly/quarterly) or points catalog; transfer partners generally not offered. EXAMPLE A Cash Back: accrued cash automatically credited to statement each month; no portal / transfer partners. EXAMPLE B NFCU: every 1 point worth $0.01 when redeemed for cash; catalog illustrations exist — treat cash at 1¢ as contractual floor. Visa SavingsEdge on Visa GO BIZ is a merchant-discount program, not card earn rate.
Transfer partners	Not offered	Generally not offered on CU business cards. Do not import consumer Flagship / GO REWARDS transfer or lounge perks onto GO BIZ.

Credit & Eligibility

Metric	First Federal Community Bank Business Zero+ Card	Local/Regional Credit Union Business Cards
Personal guarantee	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.	CATEGORY: Typical Yes. EXAMPLE B NFCU: Yes, we require personal guarantees for all business lending products; guarantor must be an NFCU member. EXAMPLE A BECU: not disclosed on product/eligibility pages — Unclear, read signed agreement; CU lending almost always includes owner liability.
Credit check	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.	CATEGORY: Hard pull on owners/guarantors is standard. EXAMPLE B NFCU: Experian on owners and/or guarantors; business credit potentially including the credit profiles of the business. EXAMPLE A BECU: subject to membership and credit approval; hard vs soft not disclosed for the card (do not import consumer membership soft-pull language).
Employee cards	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.	CATEGORY: Common with per-card limits; not Ramp-class software. EXAMPLE A BECU: yes; individual spending limits; number allowed not disclosed. EXAMPLE B NFCU: yes; count/fee/controls beyond multiple cardholders not fully disclosed; one GO BIZ per business membership, up to 2 total if multiple business memberships.
Product type	Revolving business credit card (intro 0% then variable purchase APR). Not a charge card. Not Elan’s Visa Business Company Card (corporate liability).	CATEGORY: Revolving business credit cards. Not charge cards. Not NPSL commercial charge products. Not spend-management platforms. EXAMPLE A: BECU Business Low Rate Credit Card and BECU Business Cash Back Credit Card (two named variants). EXAMPLE B: GO BIZ® Rewards Credit Card (one product, Visa or Mastercard plastic).

Pros & Cons

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

Local/Regional Credit Union Business Cards

Pros

• Annual fee is frequently $0 (BECU, NFCU, CU1, many others)
• APR can undercut big-bank business cards when the CU posts Prime + a small margin (CU1 10.25% as of 3 Apr 2026; BECU Low Rate from 14.49% as of 1 Sep 2026; NFCU capped at 18%)
• FTF often $0 (BECU, NFCU; not universal — SDCCU 3%)
• Employee cards with per-user limits without per-card annual fees (BECU, NFCU)
• Visa/Mastercard Business insurance package on BECU’s posted guide; relationship model — membership + deposits can be the real product

Cons

• Field of membership is a hard gate (BECU geo/association; NFCU military/DoD + all owners must be members)
• Rewards are simple and low vs national business cards (1–1.5%; no transfer partners)
• Limits are modest (NFCU $5k–$25k official; others often unpublished and relationship-sized)
• Personal guarantee is the CU default (NFCU explicit); public Schumer data is uneven — BECU marketing vs PDF conflicts on overlimit and penalty APR
• Expense-ops tooling (virtual cards, QBO-native codes, approvals) is absent

Verdict

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.

Local/Regional Credit Union Business Cards

This is a CATEGORY PATTERN, not one SKU. EXAMPLE A BECU splits Low Rate (revolve) vs Cash Back (1.5% + $300 through 30 Sep 2026 if paid in full). EXAMPLE B NFCU GO BIZ is a members-only 1% points card capped at $25k with an 18% APR ceiling and explicit PG. Do not average CU terms into a national figure; collect each CU’s Schumer, FOM, PG sentence, and rewards PDF. Poor fit without FOM access or if you need Ink/Amex earn, NPSL limits, or Ramp-class ops.