Business Credit Cards

Which credit card is right for your business?

Smart Business Rewards Card¹

More Rewards. Less Rules. No Point Limits. Earn 2X rewards in your top 2 categories.

2X points per $1 spent in your top two spend categories each month – Automatically
1X points monthly per $1 spent on other eligible purchases
20,000 bonus rewards points (equal to $200) rewarded when you spend $500 within first 90 days of account opening²

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Business Cash Card^3,4

Earn up to 3% cash back on eligible net business purchases.

Earn 2% cash back on eligible net purchases at restaurants and gas stations⁴
Earn 1% cash back on all other eligible net purchases⁴
$25 cash back awarded after first purchase⁵

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Business Real Rewards Card^6,3

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)⁵

2,500 bonus rewards points awarded after first purchase⁵
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)⁶

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Business Card

Save on interest with an extended low introductory rate.

Save on interest with a great low rate
Use for large purchases, unexpected expenses or last-minute necessities
You could save on interest and pay down your other credit card balances faster

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Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories (“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. Points expire five years from the end of the quarter in which they are earned.

A one time bonus of 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Account Owner’s card within the first 90 days of account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Cash Advances, Balance Transfers, and Convenience Checks. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

Cash Rewards: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point earned is equal to $0.01 when redeemed. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will earn additional Points as follows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as automated fuel dispensers and service stations or restaurants (1 additional Point); and office supply stores or cellular phone, landline, internet and cable TV services (2 additional Points). Office furniture stores, direct marketing services and printing services may not qualify as office supply stores. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

All cards subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Credit cards for your business

Which credit card is right for your business?

Smart Business Rewards Card¹

Business Cash Card^3,4

Business Real Rewards Card^6,3

Business Card

Ready to apply?

Credit cards for your business

Which credit card is right for your business?

Smart Business Rewards Card1

Business Cash Card3,4

Business Real Rewards Card6,3

Business Card

Ready to apply?

Smart Business Rewards Card¹

Business Cash Card^3,4

Business Real Rewards Card^6,3