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Business Cash Preferred3, 4
Rewards your business and earn up to 3% cash back on eligible net business purchases.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, restaurants and more4
- Earn 1% unlimited cash back on all other eligible net purchases
- $25 cash back awarded after your first purchase5
- $100 annual software credit after 11 consecutive monthly software purchases7
Business Card
Save on interest with an extended low introductory rate.
- Use for large purchases, unexpected expenses or last-minute necessities
- You could save on interest and pay down your other credit card balances faster
Smart Business Rewards Card1
More rewards, less rules. No point limits. Earn 2x rewards in your top 2 categories.
- 2X points per $1 spent1 in your top two spend categories each month – automatically
- 1X points monthly per $1 spent on other eligible purchases
- 20,000 bonus rewards points (equal to $200) rewarded when you spend $500 within the first 90 days of account opening2
Business Real Rewards Card6, 3
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5.
- 2,500 bonus rewards points awarded after the first purchase5
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)6
Credit Cards
Choose from our popular business credit card options.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
Have Questions?
Opening a spend account takes approximately 15 minutes.
Opening your account is quick, easy, and secure. To apply, you’ll need your address, phone number, email, and Social Security number. You will also need identification, such as a driver’s license, passport, or state ID, and a bank account or credit or debit card to fund the account.
View All FAQs
1 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.
2 If you’re approved for a new Smart Business Rewards Card, one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’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.”
3 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).
4 Business Cash Preferred Card: 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, a Rewards Card, Real-Time Rewards or Pay with Rewards when you check out with PayPal.
5 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. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account. Points expire five years from the end of the quarter in which they are earned.
6 Business Real Rewards Card: You will earn 1.5 points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.
7 Business Cash Preferred Card: 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.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unathorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.