Business Credit Cards: Product Guide
YOUR BUSINESS. YOUR CARD.
MY BUSINESS IS...
SMALL TO MEDIUM SIZE
(LESS THAN $5 MILLION
ANNUAL NET SALES)
LARGE CORPORATION
($5 MILLION OR MORE
ANNUAL NET SALES)
NON-PROFIT OR
MUNICIPALITY
I AM MOST INTERESTED IN...
PAYING DOWN DEBT
EARNING VALUABLE REWARDS
EARNING CASH BACK
MY ANNUAL SPEND IS...
UNDER $20K
VISA®
VISA® BUSINESS
BUSINESS CARD
CASH CARD
EXTENDED
INTRODUCTORY APR
NON-REWARDS
TRANSFER BALANCES
FROM OTHER HIGHER
RATE CREDIT CARDS
MONTHLY CASH BACK
(3% ON PHONE &
INTERNET SERVICES AND
OFFICE SUPPLY STORES,
2% ON GASOLINE AND
RESTAURANTS AND 1% ON
ALL OTHER NET PURCHASES)
OVER $20K
VISA® BUSINESS
VISA® BUSINESS
VISA SIGNATURE ®
BONUS REWARDS
BONUS REWARDS
BUSINESS COMPANY
CARD
PLUS CARD
CARD
25% MONTHLY BONUS
(1.25 PTS PER $1 SPENT)
50% MONTHLY BONUS
(1.50 PTS PER $1 SPENT)
OPTIONAL REWARDS
PROGRAM AVAILABLE
(1 PT PER $1 SPENT)
VISA®
COMMUNITY CARD
OPTIONAL REWARDS
PROGRAM AVAILABLE
(1 PT PER $1 SPENT)
REDEEM POINTS FOR MERCHANDISE, GIFT CARDS, CASH BACK AND TRAVEL REWARDS
REDEEM FOR CASH BACK
The creditor and issuer of these cards is Elan Financial Services,
pursuant to a license from Visa U.S.A. Inc.
PGB000 V 12/2015
Business Credit Cards: Reward Products
Earn up to 3% cash back, every month.
Sample
Monthly
Expenses
VISA®
BUSINESS CASH
CARD
Charts represent example spend/earn.
Earn up to 50% bonus points, every month.
VISA® BUSINESS
BONUS REWARDS
CARD
Sample
Monthly
Expenses
VISA® BUSINESS
BONUS REWARDS
PLUS CARD
VISA SIGNATURE®
BUSINESS
COMPANY CARD
VISA®
COMMUNITY
CARD
Entertainment
$125
$250
Restaurant (2%)
$500
Gas (2%)
$350
Office Supplies (3%)
Shipping and Postage
$500
Phone & Internet (3%)$225
Utilities
$275
Other
$275
Entertainment
Restaurant
Gas
Office Supplies
Shipping and Postage
Phone & Internet
Utilities
Other
Total Expenses: Total Expenses:$2,500
Total Expenses: 1X Points:
1X Points:
$2,500
3% Cash Back on Office Supplies, Phone & Internet
2% Cash Back on Gas and Restaurant
1% Cash Back on All Other Purchases
Total Example Month Cash Back:
$17.25
$15.00
$11.75
$44.00
Add 25% Bonus
$125
$250
$500
$350
$500
$225
$275
$275
Optional Rewards Program,
earn 1 point per $1 spent.
3,125
Total Example Month Points:
Add 50% Bonus
2,500
625
(Bonus Rewards)
(Bonus Rewards PLUS)
1,250
Entertainment
Restaurant
Gas
Office Supplies
Shipping and Postage
Phone & Internet
Utilities
Other
Total Example Month Points:
Sample
Monthly
Expenses
$125
$250
$500
$350
$500
$225
$275
$275
$2,500
2,500
2,500
See chart below for rewards redemption options
3,750
Total Example Month Points:
See chart below for rewards redemption options
Redeem Points.
2,500
5,000
10,000
25,000
Just a few of the rewards available to you.
$25 Cash Back*
FREQUENTLY ASKED QUESTIONS:
Q: What type of liability do the business credit cards offer?
A:Small Business Credit cards offer Joint and Several Liability, which means
the Company and Authorized Officer(s) have full liability for all balances on
the account. There is no liability on Employees. Company and CommUNITY
cards offer Corporate Liability, which means the Corporation has full
liability for all balances on the account.
$50 Cash Back
$100 Cash Back
$250 Cash Back, Round-Trip Airfare up to $325,
Hotel Booking, Car Rental, Merchandise and more.
Or redeem for name-brand merchandise and
gift cards from leading retailers.
*Rewards points can be redeemed as a cash deposit to a checking or savings account or
as a statement credit to your credit card account. Minimum redemption amount $25.
FOR MORE INFORMATION, PLEASE CONTACT:
Stephanie Oechsner
Representative Name: 920-731-4190
Phone Number: [email protected]
Email Address: Q:What is required to request a $25,000 credit limit or higher?
A:The following is required for credit limit requests of $25,001 and up:
1. Two Years’ Complete financial statements (audited preferred) and if
older than 4 months, current-year interim financials needed:
a. Balance sheet and Income Statement - REQUIRED
b. Cash flow Statements, Tax Returns - PREFERRED
Q:What is required to apply for the Company and CommUNITY Cards?
A:Additional paperwork is required for these two products. Please refer to
the “Application Checklist” on the applications for details.
Q:Can I set credit limits on employee credit cards?
A:Yes, Visa Payment Controls allows you to customize each of your employee’s
business credit card use by time of day, day of week, geographical location,
merchant type, dollar amount or transaction type!
PGB000 V 12/2015