For those who want cash back, this card rewards you more for your everyday business purchases.
EARN UP TO 3% CASH BACK
- 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services1
- 2% cash back on restaurant and gas station eligible net purchases
- 1% cash back on all other eligible net purchases
- No caps or limits on the cash back you can earn, and you have five years to redeem for cash back1
- $25 cash back bonus after first purchase2
Business Cardmember Benefits
Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
- A convenient online expense management tool to help you organize and track your overall spending
- Free employee cards with individual credit limits
- Ability to have earned rewards points from employee card purchases added to the business owner's points total
- See Business Card Features and Benefits for a complete listing of all card benefits
Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.
After that, a variable APR, currently 16.24% to 25.24%.* See the Terms and Conditions for complete details.
No Annual Fee
Applicant must be 18 years of age and have a U.S. address and Social Security number.
*The 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.
1"Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $0.01 in Cash Back rewards earned is equal to 1 point. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Points earned on Net Purchases (purchases minus credits and returns). Merchants are assigned codes based on what they primarily sell. 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 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, land line, 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 and restaurants. The number of additional Points earned on office supply store purchases, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
2 Rewards 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 after each billing cycle.