Business Credit Cards

Want the convenience of having a credit card specifically for your small business? We have just the thing. Learn more about our different options and apply today.

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  • All Cards
  • Earn Rewards
  • Pay Down Balances
  • Specialty Cards

Visa Business Cash

  • 3% cash back1 on purchases from office supply stores, phone and TV services2,4
  • 2% cash back on restaurant and gas station net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase3

Visa Business Real Rewards

  • 1.5 points per $1 spent on eligible net purchases (equal to 1.5% cash back)5
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points after your first purchase3

Visa Business Rewards Plus

  • 3 points per $1 spent the most on cellular phone service, hotel or airline purchases6
  • 1.5 points per $1 spent on other everyday eligible net purchases
  • 20,000 one-time bonus rewards points after $2,000 in purchases within the first 3 months3
  • No caps or limits on the total cash back you can earn, plus you have five years to redeem points for rewards4

Visa Business Platinum

  • Enjoy an extended introductory rate while saving on interest and paying down your other credit card balances faster

Visa Community

  • Designed for non-profits and municipalities
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Dedicated servicing group
  • No personal guarantee

Visa Signature Company

  • Designed for medium to large corporations with at least $5,000,000 in net annual sales
  • Dedicated account manager
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Generous credit line

Visa Business Cash

  • 3% cash back1 on purchases from office supply stores, phone and TV services2,4
  • 2% cash back on restaurant and gas station net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase3

Visa Business Real Rewards

  • 1.5 points per $1 spent on eligible net purchases (equal to 1.5% cash back)5
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points after your first purchase3

Visa Business Rewards Plus

  • 3 points per $1 spent the most on cellular phone service, hotel or airline purchases6
  • 1.5 points per $1 spent on other everyday eligible net purchases
  • 20,000 one-time bonus rewards points after $2,000 in purchases within the first 3 months3
  • No caps or limits on the total cash back you can earn, plus you have five years to redeem points for rewards4

Visa Business Platinum

  • Enjoy an extended introductory rate while saving on interest and paying down your other credit card balances faster

Visa Community

  • Designed for non-profits and municipalities
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Dedicated servicing group
  • No personal guarantee

Visa Signature Company

  • Designed for medium to large corporations with at least $5,000,000 in net annual sales
  • Dedicated account manager
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Generous credit line

What You Need To Know

1 Reward points can be redeemed as a cash deposit to a Bank of Albuquerque checking or savings account 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 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, landline, 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 or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

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 a license from Visa U.S.A. Inc.