Credit Cards
Credit cards can be a useful solution for easily tracking and managing business expenses. But with so many options, how do you choose? Our local business and ag bankers are here to help you find the card that meets your needs.
Credit Card Solutions
Our Visa® Business credit cards come with a variety of important business features, including award-winning expense management tools and free employee cards. Cards are chip-enabled for added security.
Traditional Credit Cards
Visa Business Cash Card
A convenient card that lets you earn cash back.
- Earn 3% cash back
on eligible net purchases from office supply stores, phone and TV service2,4
- Earn 2% cash back
- on eligible restaurant and gasoline net purchases1
- 1% cash back
- on all other eligible net purchases1
- Plus, get $25 cash back
- awarded after first purchase3
Visa Business Real Rewards Card
Rewards to use the way you want4
- Earn 1.5 points monthly
- for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
- No caps or limits
- on the number of points you can earn, and you have 5 years to redeem for rewards4
- 2,500 bonus rewards points
- awarded after first purchase3
Visa Business Rewards PLUS Card
- Earn 3 points monthly
- for every $1 you spend the most on: cellular phone service, hotel or airline6
- Earn 1.5 points monthly
- for every $1 you spend on eligible net purchases
- Plus earn 20,000 bonus rewards points
- after you spend $2,000 in the first 3 months7
- No caps or limits
- on the total cash back you can earn, and you have 5 years to redeem for rewards4
Visa Signature Business Company Card
For medium to large businesses. For credit, purchasing and more needs, we offer solutions to help larger organizations manage expenses.
- Generous credit lines
- No personal guarantee required
- Free rewards program available
Purchasing Card
Consolidate purchases for easy expense monitoring
The Elan One purchasing card program allows companies to combine their travel and entertainment and purchasing programs into one consolidated card program offering easy monitoring and control of accounts. This program eliminates paper-based purchase orders and invoice processing, saving businesses on clerical and other expenses.
Gift Cards
Reward employees and customers with Visa Gift Cards
Visa Gift Cards are easy, convenient and available in values ranging from $10 to $1,000; they can be used everywhere Visa is accepted. With many designs to choose from, you can show your appreciation in an impactful way.
Gain Financial Control with Easy-to-use Tools
- 1 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.
- 2 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.
- 3 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.
- 4 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. Points expire five years from the end of the quarter in which they were earned. 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). Points will be awarded to the primary cardmember and may not be redeemed by an authorized cardmember on the Account.
- 5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of 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. 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.
- 6 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.
- 7 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. One-time bonus points are awarded only on 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. Monthly net purchase bonus points will be applied after each billing cycle.
- The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and American Express. American Express is a federally registered service mark of American Express.