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Business Credit Cards

Streamline your business expenses & payments through a card program with big advantages.

Keeping track of expenses is no small task. That’s why a great business credit card is essential to the success of your small business. Vast Visa® Business Credit Cards offer the perfect solution for managing all of your company’s purchases, with the added security and convenience of a credit card accepted worldwide.

Pick a card to help grow your business.

VISA® Business Cash Card

For those who want cash back, this card rewards you more for your everyday business purchases.

  • No annual fee
  • Earn cash back2 every time you use your card: 3% on office supply store net purchases and phone/internet purchases, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases2
  • No caps or limits on the cash back you can earn, and you have five years to redeem for cash back.1
  • Get $25 cash back after your first purchase.3, 4
  • Introductory 0.00% APR for the first 6 billing cycles on purchases7 and balance transfers.
  • Free employee cards with individual credit limits.

VISA® Business Real Rewards Card

More Choices. More value for your business. Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1 There are no caps or limits on the Points you can earn.

  • No annual fee.
  • Five years to redeem your points4, plus get 2,500 bonus rewards points awarded after first purchase.3
  • Introductory 0.00% APR for the first 6 billing cycles on purchases7 and balance transfers.
  • Free employee cards with individual credit limits.

VISA® Business Rewards PLUS Card

Watch your rewards add up even faster on purchases in the category you spend the most on: cellular phone services, hotel, or airline.8

  • First year free; $99 annual fee after that
  • 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline.8
  • 1.5 points for every $1 you spend on eligible net purchases,6 and receive even more automatic bonus points each month, plus get $200 cash back2 after your first purchase
  • There's no cap or limit on the points you can earn.
  • Free employee cards with individual credit limits.

Visa® Business Card

Enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster. The Business Platinum Card hasno annual fee and comes with expense management tools and added security benefits.

  • Extended introductory offer of 0% APR for the first 15 billing cycles on purchases and balance transfers7
  • No annual fee
  • Save on interest and pay down your other credit card balances faster.
  • Separate business expenses, manage cash-flow and track spending.

Have a question? Call us.
918-495-1700

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1Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles. One-time bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. One time bonus points are awarded only on 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. Monthly net purchase bonus points will be applied after each billing cycle.

2Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. 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.

3First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

4The 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).

5Real 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.

6Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

7The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

8Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account. You may earn additional points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle.