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Business Credit Card

Business Credit Card

Choose the card that is right for your business — Standard Card with no annual fee or the Preferred Points Rewards Card.

Middle aged business owner sitting in chair at desk holding a business credit card and tablet device.

Types of Business Credit Cards

Standard Card

  • APR Prime + 10.99%1
  • Grace Period 25 days (plus 5-6 days of additional grace)
  • Billing Method Consolidated Summary / Sub Account Billing or Individual Billing
  • Annual Spend Requirement None
  • Annual Fee None
  • Online Access Individual employee or Administrative access to all cards (can set up ability to change employee limits)
  • Mobile Payments Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts Text or email alerts for cardholder defined items and unusual / suspicious activity
  • Account Controls Controls include cash, velocity, and merchant category, and more
  • Invoice / Expense Management Integration Download data file or invoice / expense management integration
  • Rewards None
Apply Now
1 Please see application for information about current APRs and fees.

Preferred Points Card

  • APR Prime + 10.99%1
  • Grace Period 25 days (plus 5-6 days of additional grace)
  • Billing Method Individual Billing
  • Annual Spend Requirement None
  • Annual Fee $49 per employee account
  • Online Access Individual employee or Administrative access to all cards
  • Mobile Payments Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts Text or email alerts for cardholder defined items and unusual / suspicious activity
  • Account Controls Controls include cash, velocity, and merchant category, and more
  • Invoice / Expense Management Integration Download data file or invoice / expense management integration

Rewards

  • One point for each dollar spent up to 10,000 points per month per account; redemption options for travel, cash back, merchandise, gift cards, and more
Apply Now
1 Please see application for information about current APRs and fees.

Company Card

  • APR Prime + 10.99%1
  • Grace Period 25 days (plus 5-6 days of additional grace)
  • Billing Method Consolidated Summary / Sub Account Billing
  • Annual Spend Requirement $500,000
  • Annual Fee $49 per employee account; waived if annual spending exceeds $500,000
  • Online Access Individual employee or Administrative access to all cards (can set up ability to change employee limits)
  • Mobile Payments Apple Pay and Samsung Pay allowing tap and pay with mobile device; contactless cards as well
  • Card Alerts Text or email alerts for cardholder defined items and unusual / suspicious activity
  • Account Controls Controls include cash, velocity, and merchant category, and more
  • Invoice / Expense Management Integration Download data file or invoice / expense management integration

Rewards

  • One point for each dollar spent with no ceiling and all points are pooled on the Summary Account; redemption options for cash back credit to Summary Account or gift cards
Apply Now
1 Please see application for information about current APRs and fees.

Benefits Per Card Type

  • Benefits
    Mastercard
    Visa
  • Preferred Point Rewards
    Optional
    Optional
  • Mobile Payments
  • Identity Theft Protection
  • Rental Car Insurance
  • Global Service
  • Intuit QuickBooks/ TurboTax Discount
  • Mobile Receipt Management
  • Mastercard Easy Savings Program
Apply Now
1 Please see application for information about current APRs and fees.

Benefits Details

Preferred Points Rewards

Mastercard • Visa

Earn one point for each dollar spent, up to 10,000 points per month. Redeem anytime for a wide variety of options including cash back, travel, merchandise, retail gift cards, and much more.

Mobile Payments

Mastercard • Visa

Use your compatible Apple or Samsung device to shop and check out wherever mobile payment logos are displayed. All MasterCard and Visa consumer cards can now be easily linked to an Apple or Samsung device to pay at retailers everywhere.

Identity Theft Protection

Mastercard

Be protected with ID Theft Resolution Services including online identity monitoring, resolution services, credit bureau monitoring and more.

Rental Car Insurance

Mastercard • Visa

Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible card is used to initiate and pay for the entire rental transaction.

Global Service

Mastercard

Provides 24-hour global assistance with lost or stolen card replacement and emergency cash. Toll-free numbers for assistance can be found at mastercard.com or by calling 636-722-7111.

Intuit QuickBooks/ TurboTax Discount

Mastercard

Take advantage of a free trial of Intuit QuickBooks Online and a discount on QuickBooks online products. Save on Intuit TurboTax tax preparation software for businesses.

Mobile Receipt Management

Mastercard

Free mobile receipt management for business cardholders. Snap photos of you Mastercard receipts and store them securely in the cloud.

Mastercard Easy Savings Program

Mastercard

Take advantage of automatic rebates on eligible purchases using your business credit card from participating U.S. merchants.

Certain restrictions apply to each benefit listed. Benefits are detailed in the applicable benefits brochure provided with new and reissued credit cards or call 800-443-2819.

Apply Now
1 Please see application for information about current APRs and fees.

Document Chart

  • Sole Proprietor
    Partnership
    Private Corporation
    Public Corporation
    Non-Profit
  • Application
  • Organizational Papers
  • Borrowing Resolution
  • Financial Statements
  • Personal Guaranty
  • Personal Tax Return
  • Beneficial Ownership
Apply Now
1 Please see application for information about current APRs and fees.

Document Chart

Sole Proprietor

  • Application
  • Organizational Papers
  • Personal Guaranty
  • Personal Tax Return

Partnership

  • Application
  • Organizational Papers
  • Borrowing Resolution
  • Financial Statements
  • Personal Guaranty
  • Personal Tax Return
  • Beneficial Ownership

Private Corporation

  • Application
  • Organizational Papers
  • Borrowing Resolution
  • Financial Statements
  • Personal Guaranty
  • Personal Tax Return
  • Beneficial Ownership

Public Corporation

  • Application
  • Organizational Papers
  • Borrowing Resolution
  • Financial Statements

Non-Profit

  • Application
  • Organizational Papers
  • Borrowing Resolution
  • Financial Statements
  • Beneficial Ownership

Funds Availability Policy

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Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.

REG.GG

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Transactions that are restricted under the Unlawful Internet Gambling Enforcement Act are prohibited and should not be processed through commercial accounts.

USA Patriot Act

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Help Us Prevent Identity Fraud
‍
According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
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The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
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Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.

Identity Theft Education

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Identity theft is when someone has access to your personal information, such as your name, date of birth, and Social Security number, and uses it to commit fraud.
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Identity thieves can cost you both time and money. Recognize the signs of ID theft and take immediate action.

  • Unauthorized activity is detected on your bank account or on new accounts that you have on your credit report.
  • Unexpected calls and letters from debt collectors arrive about loans or other debts that you do not owe.
  • The IRS has notified you that there is a possibility that your tax return may be incorrect or that your tax return was filed under your name previously.
  • You are notified that your account was accessed using a device you don’t recognize.
  • You are charged for medical services that you did not receive.
  • Bank statements and bills are no longer sent by mail.
  • Credit is suddenly denied to you.

Anyone can become a victim of identity (ID) theft. These steps can help reduce the risk of ID theft.

1) Secure your personal data.

  • Don't give out personal information to anyone via email, text, or phone call.
  • Switch to paperless statements.
  • Don't put anything with your Social Security Number on it in your wallet. Only give it out when absolutely necessary.
  • Do not overshare on social media. Use privacy controls to ensure that your personal information isn't made public.
  • Talk to your children about internet safety and make sure they don't share any information online without permission.

2) Protect all of your devices.

  • Make sure you keep your devices up-to-date with the most recent security patches and software.
  • Use a password that is at least 8 characters to secure your home Wi-Fi network and devices.
  • When possible, enable biometrics like fingerprint sign-on, retina/facial identification.

3) You can control who can access your accounts.

  • For each account, create a strong password and don't reuse it on any other website.
  • Multifactor authentication is a great way to provide extra security when signing in to accounts.
  • To help you keep your accounts safe and monitor your finances, activate account alerts.
  • Confirm that your email address and phone number are correct in your financial accounts.

If you are a victim of ID theft, act quickly. Report identity theft and get a recovery plan at IdentityTheft.gov.
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United, we have the power to combat fraud. We believe that knowledge is the best defense against fraud. Learn more by visiting AARP Identity Theft or the Identity Theft Resource Center.

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