Earn cash back
Visa® Business Cash Preferred Card
- 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases1
- 1% unlimited cash back on all other eligible purchases1
- $100 annual software credit after 11 consecutive monthly software transactions2
- $25 cash back awarded after first purchase3
- Redeem for a statement credit, rewards card or deposit to a qualifying account
Get unlimited points potential
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)
- No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
- Earn 2,500 bonus rewards points after your first purchase.4
Choose where you earn more points
Smart Business Rewards Visa® Card
- 2X points per $1 spent in top two spend categories each month — automatically5
- 1X points monthly per $1 spent on other eligible purchases5
- Redeem for merchandise, gift cards, travel or cash back
- Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening — a $200 value6
Pay down balances
Visa® Business Card
- Save on interest with a great low introductory rate for an extended time
- Use for large purchases, unexpected expenses or last-minute necessities
- Pay down your other high-rate credit card balances faster
- Easily manage employee spending with employee cards
- Non-Rewards
Disclosures
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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.
You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).
An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
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. Monthly net purchase bonus points will be applied after each billing cycle.
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. Monthly net purchase bonus points will be applied each billing cycle.
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 Authorized Officer's Card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. 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.