| Annual Fee | $0 intro annual fee for first 12 months, then $95 for Account Owners / $0 for Authorized Employees |
| APR (variable) | 18.24%–25.24% (variable, by creditworthiness) |
| Intro APR | — |
| Issuing institution | Bank of Deerfield, The |
| Headquarters | Deerfield, WI |
| Institution rank (among banks, by CC loan volume) | #573 |
| Last checked | August 2026 |
Smart Business Rewards Card is issued by Bank Of Deerfield, The, headquartered in Deerfield, WI. Bank Of Deerfield, The is one of the smaller banks in our directory by card-loan volume. This exact card — same name, same rewards structure — is also issued by Marion County State Bank, Independence Bank, Waterstone Bank, Bar Harbor Bank And Trust Company, and 41 more, since these institutions offer cards through the same third-party card-issuing program rather than each building its own. The underlying terms are typically set by the card program, but always confirm the current rate and fee on the issuing institution's own page.
Terms can change at any time at the issuer's discretion — confirm current rates and fees on the issuer's official page before applying.
Source: Bank of Deerfield, The website (bankofdeerfield.bank) — rates, fees and card details as published by the issuer. Compiled from public sources; confirm current terms with the issuer.
Rewards & key benefits
2X points per $1 in top 2 spend categories automatically each month; 1X on all other purchases; 5X points on prepaid hotels/car rentals in Travel Center; 20,000 bonus points (up to $200) after $500 spend on Authorized Officer's card in first 90 days.
Similar cards
Frequently asked questions
What is the annual fee for the Smart Business Rewards Card?
The Smart Business Rewards Card from Bank of Deerfield, The has an annual fee of $0 intro annual fee for first 12 months, then $95 for Account Owners / $0 for Authorized Employees.
What is the APR on the Smart Business Rewards Card?
The Smart Business Rewards Card has an APR of 18.24%–25.24% (variable, by creditworthiness). Your actual rate depends on creditworthiness — confirm the current rate on Bank of Deerfield, The's official page before applying.
Does the Smart Business Rewards Card have an intro APR offer?
No intro APR offer is currently disclosed for the Smart Business Rewards Card.
What rewards does the Smart Business Rewards Card offer?
2X points per $1 in top 2 spend categories automatically each month; 1X on all other purchases; 5X points on prepaid hotels/car rentals in Travel Center; 20,000 bonus points (up to $200) after $500 spend on Authorized Officer's card in first 90 days.
Which bank issues the Smart Business Rewards Card?
The Smart Business Rewards Card is issued by Bank of Deerfield, The, headquartered in Deerfield, WI.
How do I apply for the Smart Business Rewards Card?
Apply for the Smart Business Rewards Card directly through Bank of Deerfield, The's official website — allcredit.cards is an independent directory and does not process applications.