Smart Business Rewards Visa Signature® Card
card artwork

More Rewards. Less Rules. No Point Limits.  From construction materials to commercial supplies, earn bonus points in categories where your company actually spends. No need to choose bonus categories as they adjust; automatically. And there are no cap's or limit's on what you can earn.¹ ²

Rewards Program

• 2X points per $1 spent in your top two spend categories each month – automatically¹
• 1x points monthly per $1 spent on other eligible purchases¹
• Earn 20,000 bonus rewards points when you spend just $500 in the first 90 days of account opening; the equivalent of $200 Cash Back³
• No caps or point limits¹
• Flexible Redemption. Redeem points for your choice of cash back, travel, gift cards and merchandise²

Business Cardmember Benefits

Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
• A convenient online expense management tool to help you organize and track your overall spending.
• Free employee cards with individual credit limits.
• Accumulate employee card rewards points to the business owner's points total.
• See Business Card Features and Benefits for a complete listing of all card benefits.

Minimum Requirements

Applicant must be 18 years of age and have a U.S. address and Social Security number.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

¹You 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 or 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.

²The 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).

³A one time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer's Card within 90 days from account opening.  These bonus points will be awarded on your monthly billing statement.  Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmembers Agreement, which may be amended from time to time.  This offer may not be combined with any other bonus offer.  Additional bonus points are earned only on Authorized Officer purchases.  Offer is subject to credit approval.

1Late payments and going over the credit limit may damage your credit history.

2Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

3Certain restrictions, limitations and exclusions apply.

4Please refer to your Visa Guide to Benefits for further details to determine if this auto rental coverage is right for you.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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