Business Credit Cards

Business & Commercial > Business Solutions > Business Credit Cards

Enhanced Purchasing Power for Your Business

Choosing the right business credit card* is easier than ever. No matter which card you choose, you’ll enjoy important features like:

Expense management tools
No fee for additional employee cards
EMV smart chip technology for added security
Mobile payment capability for added convenience

Find the Card That's Right For Your Business

Visa® Business Card
Visa® Business Real Rewards Card
Visa®Business Cash Card

Low Introductory Rate

Extended low introductory rate
Enjoy peace of mind with zero fraud liability⁴, and auto rental collision damage waiver5 and 24/7 live US-based customer service
Free employee cards
Online management reporting tool helps you stay on top of your business credit card spending

Learn more Apply Now

Earn Rewards

$25 value awarded after first purchase²
1.5 points/1.5% per $1 on all purchases¹
Rewards include cash back², travel, merchandise and gift cards
Enjoy peace of mind with zero fraud liability⁴, and auto rental collision damage waiver⁵ and 24/7 live US-based customer service
Free employee cards
Online management reporting tool helps you stay on top of your business credit card spending

Learn more Apply Now

Earn Cash Back

$25 value awarded after first purchase²
3% cash back on purchases at office supply stores, cell phone, internet & landline service providers, 2% cash back on purchases at restaurants and gas stations⁶
1 point/1% per $1 on all other eligible purchases^6,7
Cash Back²
Enjoy peace of mind with zero fraud liability⁴, and auto rental collision damage waiver⁵ and 24/7 live US-based customer service
Free employee cards
Online management reporting tool helps you stay on top of your business credit card spending

Learn more Apply Now

Smart Business Rewards Visa® Card

Earn Rewards

Earn 20,000 bonus rewards points when you spend $500 in the first 90 days - a $200 value³
2X points in your top two spend categories, automatically⁷
1 point/1% per $1 on all other eligible purchases^6,7
Rewards include cash back², travel, merchandise and gift cards
Enjoy peace of mind with zero fraud liability⁴, and auto rental collision damage waiver⁵ and 24/7 live US-based customer service
Free employee cards
Online management reporting tool helps you stay on top of your business credit card spending

Learn more Apply Now

Get Started

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Disclosures:

^*The creditor and issuer of these Cards is Elan Financial Services, pursuant to license from Visa U.S.A. Inc. All credit cards are subject to credit approval. All offers and representations included on this page are made by Elan Financial Services. Products subject to change without notice.

Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval. Late payments and going over the credit limit may damage your credit history.

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).

¹Real Rewards Card: You will earn 1.5 Reward Points (“Points”) for every dollar in 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.

² Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). First purchase bonus points will be applied 6 to 8 weeks after fi rst purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases.

³A one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Offi cer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.

⁴Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

⁵ Certain terms, conditions and exclusions apply. Please refer to your guide to benefi ts that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.

⁶ Cash Rewards Card: “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 every dollar in eligible net purchases charged to your Account during each billing cycle. You will earn additional Points as follows for every dollar in eligible net purchases charged to your Account during each billing cycle at merchant locations that are classifi ed as automated fuel dispensers and service stations or restaurants (1 additional Point); and office supply stores or cell 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, cell 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.

⁷ 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.

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Deposit and loan products are offered by Mechanics Bank, Member FDIC and Equal Housing Lender. NMLS#442116

Investment management and trust services are offered by Mechanics Bank Wealth Management. Mechanics Bank investment products are:

Not FDIC Insured | Not Bank Guaranteed | May Lose Value

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Find the Card That's Right For Your Business

Visa® Business Card

Visa® Business Real Rewards Card

Visa®Business Cash Card

Low Introductory Rate

Earn Rewards

Earn Cash Back

Smart Business Rewards Visa® Card

Earn Rewards

Get Started