Abby Bank Visa® Business Zero+
Abby Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Abby Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Abby Bank Visa® Business Zero+ from Abby Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use points the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Abby Bank Visa Business Zero+ earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Abby Bank Visa Business Zero+ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Abby Bank Visa Business Zero+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Abby Bank Visa Business Zero+?
The Abby Bank Visa Business Zero+ fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Abby Bank Visa Business Zero+ fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use points the way you redeem today.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Abby Bank Visa Business Zero+ have an annual fee?
The Abby Bank Visa Business Zero+ has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Abby Bank Visa Business Zero+?
The Abby Bank Visa Business Zero+ includes $50 Annual Credit, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Cell phone protection
$7,200/yrGet reimbursed up to $600 if your cell phone is stolen or damaged - just pay your monthly cell phone bill using your card
$50 Annual Credit
$5,000/yrwhen you spend $5,000 in the Rewards Center using your card
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Related encyclopedia topics
Common questions about the Abby Bank Visa Business Zero+
What credit score do I need to get a $5000 credit card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Abby Bank Visa Business Zero+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
What business credit card can I get with a 600 credit score?
Madeen's catalog lists a typical credit range of Good to Excellent for the Abby Bank Visa Business Zero+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Abby Bank Visa Business Zero+ have an annual fee?
The Abby Bank Visa Business Zero+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Abby Bank Visa Business Zero+?
Dining is the strongest Madeen category for the Abby Bank Visa Business Zero+ at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Abby Bank Visa Business Zero+ charge foreign transaction fees?
The Abby Bank Visa Business Zero+ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Abby Bank Visa Business Zero+?
Madeen's catalog lists a typical credit range of Good to Excellent for the Abby Bank Visa Business Zero+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Abby Bank Visa Business Zero+ compare to similar cards?
Compare the Abby Bank Visa Business Zero+ against Abby Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Abby Bank Visa Business Cash Preferred (3% on Dining, $0 fee); Abby Bank Visa Reserve Rewards+ Card (2% on Dining, $390 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Abby Bank Visa Business Zero+ This card | Dining | 0% | $0 |
Abby Bank | Dining | 4% | $0 |
| Dining | 3% | $0 | |
Abby Bank | Dining | 2% | $390 |
Abby Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Abby Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Abby Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure