What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
1st Source Bank Smart Business Rewards Bonus — Up to $200
Sign up for 1st Source Bank Smart Business Rewards Bonus and earn up to $200 in bonus rewards.
Requirements
- ✓$500 spend within 90 days of account opening
- ✓$500 spend in first 90 days
- ✓$500 in spend within first 90 days
Restrictions
- ⚠Available in IN and MI only
- ⚠New business customers only
- ⚠New customers only
Fees
- $0 introductory annual fee for first 12 months; $95 thereafter for account owners
- $95 annual fee (after 12-month intro period; $0 for authorized employees)
- $0 introductory annual fee for first 12 months, then $95/year for Account Owners ($0 for Authorized Employees)
Last updated July 6, 2026
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Jun 22, 2026
How to evaluate 1st Source Bank Smart Business Rewards Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
How to qualify
- $500 spend within 90 days of account opening
- $500 spend in first 90 days
- $500 in spend within first 90 days
Common pitfalls
- Available in IN and MI only
- New business customers only
- New customers only
- $0 introductory annual fee for first 12 months; $95 thereafter for account owners
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 3 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
