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SMALL BUSINESS CREDIT CARDS*

Choosing the right business card with low interest rates, cash back offers, or bonus rewards is now easier than ever. No matter which card you choose, you will enjoy important features including:

  • Expense Management tools
  • No fees for additional employee cards
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

Flexible Cash Rewards for Your Business1

Visa® Business Cash Card

  • 3% cash back on eligible net purchases from office supply stores, phone and TV services2
  • 2% cash back on eligible restaurant and gasoline net purchases2
  • 1% cash back on all other eligible net purchases2
  • $25 cash back awarded after first purchase3

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Rewards to Use the Way You Want1

Visa® Business Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)4
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • 2,500 bonus rewards points awarded after first purchase3

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Visa® Smart Business Rewards Card

  • Earn 2 points in your top 2 spend categories each month, automatically5
  • Earn 1 point on all other eligible purchases5
  • Plus, earn 20,000 one-time bonus rewards points after you spend $500 in the first 90 days3, 6
  • No cap or limit on the points you can earn, and you have five years to redeem for rewards5

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Pay Down Balances

Visa® Business Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Use for larger purchases, unexpected expenses or last-minute necessities

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BUSINESS CHECKING OPTIONS

Our Business Checking options offer minimum restrictions, maximum flexibility and competitive rates to help your business achieve its goals.

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SAVINGS ACCOUNTS FOR YOUR BUSINESS

Business savings accounts, money markets and CDs designed to help your business grow.

Explore Options

Mobilize Your Business Banking

Business Express online banking and our mobile banking app can help you manage your finances 24/7.

Get Started

* Subject to credit approval.

1 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).
2 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.
3 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. If you're approved for a new Business Rewards PLUS, 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. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
4 Rewards 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
5 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 card.myaccountaccess.com/credit/visa-smart-business-rewards.do 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.
6 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 creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. and a business agreement with First Midwest Bank.