THE CARDTUNED DATABASE
SouthState Smart Business Rewards Card
Issuer: SouthState Bank · Network: Visa
2 points per $1 in top two monthly spend categories automatically; 1 point elsewhere
- Annual fee
- $95
- Foreign transaction fee
- Not publicly disclosed; see live application terms
- Intro APR
- No public introductory APR offer shown
- Regular APR
- 18.24%–25.24% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20,000 points after $500 on authorized officer card within 90 days
- Spending requirement
- $500 on authorized officer card
- Time window
- within 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2 points | per $1 in top two monthly spend categories automatically |
| Eligible purchases | 1 point | elsewhere |
Additional benefits
• 20,000 points after $500 on the authorized-officer card within 90 days
• Automatic category optimization each month
Restrictions to know
Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. Business or organizational eligibility and business-use restrictions apply; employee-card, liability and expense-control terms vary by account setup. The ongoing rate is 18.24%–25.24% variable APR and may change as described in the card agreement.
Who can apply
Issued by Elan Financial Services; business underwriting applies.
Credit profile: Not Public / issuer underwriting applies