Visa® Business Platinum
Pay down other cards or increase your spending power.
Business Lending for Where You’re Going
If you’re building from the ground up, or making improvements to your existing business, we can invest what you’re working toward.
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Important Legal Disclosures and Information
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Subject to credit approval.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa USA, Inc. American Express is a federally registered service mark of American Express. - 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.
- 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. Net purchases are purchases minus credits and returns. You will also 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 the merchant category code of supermarkets. 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.
- 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 $1,000 or more are made to your account within three months from account opening.
- The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.
- Real Rewards: You will earn net 1.5 purchase 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 new purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
- Premier Rewards Card Points: 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 Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. 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 the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned. Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members upon approval.
- 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.
- Late payments and going over the credit limit may damage your credit history.
