BUSINESS CREDIT & DEBIT CARDS
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FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Safe. Secure. Business essential.
Open your F&M business checking account and get free business debit cards for you and your whole team. Managing expenses just got easier.
Compare and decide for yourself.
Get cash back for everyday purchases, 0% interest for at least six months or points (and bonus points too). It’s your business. You decide which business credit card works for you.
| Compare | Business Cash Preferred Visa® Card3,4 | Business Visa® Card | Smart Business Rewards Visa® Card1 | Business Real Rewards Visa® Card6,3 |
|---|---|---|---|---|
| Works for you if... | You want cash back for gas, cell phone services, office supplies, dining and more | You want a low-interest card to make a big purchase or pay down other card balances | You want more rewards and fewer rules, plus a sweet deal on bonus points | You want a card that makes the most of every dollar you spend |
| Annual Fee | None, no fee for additional employee cards | None, no fee for additional employee cards | $0 for the first 12 months, then $95 per year for account owner and no fee for authorized employees | None, no fee for additional employee cards |
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 0% APR for first six billing cycles* then 18.49% to 27.49% based on creditworthiness | 0% APR for first 18 billing cycles* then 16.49% to 25.49% based on creditworthiness | 20.49% to 25.49% based on creditworthiness | 0% APR for first six billing cycles* then 18.49% to 27.49% based on creditworthiness |
| Transaction Fees | Balance Transfers & Convenience Check Cash Advance: 3% of transfer amount or $5 minimum, whichever is greater Cash Advance, Cash Advance ATM or Cash Equivalent Advance: 4% of transfer amount or $10 minimum, whichever is greater Overdraft Protection: $10 Foreign Transactions: 2% of transactions in U.S. dollars, 3% of transactions in foreign currency |
Balance Transfers & Convenience Check Cash Advance: 3% of transfer amount or $5 minimum, whichever is greater Cash Advance, Cash Advance ATM or Cash Equivalent Advance: 5% of transfer amount or $10 minimum, whichever is greater Overdraft Protection: $10 Foreign Transactions: 3% of each transaction |
Balance Transfers & Convenience Check Cash Advance: 3% of transfer amount or $5 minimum, whichever is greater Cash Advance, Cash Advance ATM or Cash Equivalent Advance: 5% of transfer amount or $10 minimum, whichever is greater Overdraft Protection: $10 Foreign Transactions: 3% of each transaction |
Balance Transfers & Convenience Check Cash Advance: 3% of transfer amount or $5 minimum, whichever is greater Cash Advance, Cash Advance ATM or Cash Equivalent Advance: 5% of transfer amount or $10 minimum, whichever is greater Overdraft Protection: $10 Foreign Transactions: 3% of each transaction |
| Bonus Points, Cash Back and Rewards | Up to 3% cash back on eligible purchases at gas stations, office supply stores and restaurants,4 1% unlimited cash back on all other eligible purchases, $25 cash back after first purchase5 and $100 annual software credit after 11 consecutive monthly software transactions7 | Extended low introductory rate for purchases and balance transfers – perfect for large purchases, unanticipated expenses or to pay down other credit card balances | 2x points per dollar spent1 in top 2 spend categories each month, 1x points monthly per $1 spent on other eligible purchases, 20,000 bonus points (worth $200) for $500 in card expenses within first 90 days of account opening2 |
2,500 bonus rewards points awarded after first purchase,5 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)6 |
| Free online expense reporting tools | ||||
| Online/Mobile Purchases | ||||
| Zero Fraud Liability8 |
What’s it like banking with us? See for yourself.
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DISCLAIMER:
*Introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. 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.
1Smart 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. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.
2A one-time bonus of 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Authorized Officer's card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Cash Advances, Balance Transfers, and Convenience Checks. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.
3The 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).
4Business 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, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).
5Reward 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.
6Real 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.
7Business 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.
8Elan Financial Services provides zero fraud liability for unauthorized transactions. Card holder must notify Elan Financial Services promptly of any unauthorized 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.
