Business Credit Cards

Choosing the right business credit card is easier than ever.

Use our rewards card comparison tool to help select a card. No matter which card you choose, you’ll enjoy important features like:

  • Online account access and mobile apps
  • Expense management tools
  • No fee for additional employee cards
  • Several alert options to monitor your account, payments, and transactions.
  • Enhanced security with EMV smart chip technology and geolocation to verify your card is in close proximity to you.
  • Mobile wallet support.
  • Plus much more!

Visa Business Real Rewards Card

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  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back). (5)
  • No cap or limit on the number of points you can earn, and you have five years to redeem rewards. (4)
  • 2,500 bonus rewards points awarded after first purchase.
  • Separate business expenses, manage cash-flow and track spending.
  • See rates and learn more

Visa Business Rewards PLUS Card

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  • Earn 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline. (6)
  • Earn 1.5 points for every $1 spent on all other eligible net purchases.
  • 20,000 bonus rewards points after you spend $2,000 in the first 3 months. (3)
  • No cap or limit on the number of points you can earn, and you have five years to redeem rewards. (4)
  • $0 introductory Annual Fee for the first year. After that, $99 Annual Fee.
  • Separate business expenses, manage cash-flow and track spending.
  • See rates and learn more

Visa Business Cash Card

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  • Earn 3% cash back on all eligible net purchases from office supply stores, and phone, internet, and cable TV services. (1, 2, 4)
  • Earn 2% cash back on eligible restaurant and gas station net purchases, and 1% cash back on all other eligible net purchases.
  • $25 cash back after your first purchase. (3)
  • Separate business expenses, manage cash-flow and track spending.
  • See rates and learn more

Visa Business Card

  • Extended introductory offer.
  • Save on interest and pay down your other credit card balances faster.
  • Separate business expenses, manage cash-flow and track spending.
  • See rates and learn more

Product is not available online. Visit one of our locations to apply.


(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 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.

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Think Mutual Bank

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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.