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 Platinum Card

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Visa Business Cash Card

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Visa Business Real Rewards Card

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Visa Business Rewards PLUS Card

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Visa Signature Business Company Card

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Niche Credit Cards

Visa CommUNITY Credit Card: For non-profits and municipalities

This card program is designed specifically for nonprofits and municipalities, with generous credit lines and a free rewards program available. No personal guarantee is required.

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. 

  • 1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
  • 2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will 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 any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. 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. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
  • 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. 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).
  • 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.
  • 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.
  • 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.