Business Edition® Visa® Card with Absolute Rewards®
A card that rewards you for your spending.
No annual fee.1
0% introductory Annual Percentage Rate (APR)1 on purchases and balance transfers for the first 6 billing cycles.
APR after the introductory period will be 13.99% - 20.99% APR depending on your credit worthiness. This APR will vary with the market based on the Prime Rate.
The Transaction Fee for Balance Transfers is an introductory 4% with a minimum of $10 for the first 6 billing cycles after your account is open. After that, the Balance Transfer Fee is 5% with a minimum of $10, applies to each balance transfer you make.
Rewards can be redeemed for merchandise, gift cards, statement credits and more. Plus you have 3 years to use your points before they expire.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
If you take advantage of this offer and make additional purchases with your credit card you will be charged interest on those purchases unless you pay your statement balance, including the balance associated with this offer, by the statement due date. For example, if you make a balance transfer to your account for $1,000 and then make a $500 purchase, you must pay the statement balance of $1,500 by your due date in order to avoid paying interest on the $500 purchase, unless the applicable interest rate on that purchase is 0%.
1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first.
Easily make last minute orders on the supplies and materials you need, stay on top of employee purchases and better manage your cash flow with a credit card designed to help your company grow.
Thinking about applying for a credit card for your small business? Our cards give you:
A safety net for unexpected expenses.
Ability to establish credit history while your company grows.
A way to meet expenses during off-seasons.
Purchase Protection against theft and damage for the first 90 days after your completed transaction.
With all TCF Small Business Visa Credit Cards you can:
Access free management reports for easier expense tracking, simplified tax paperwork prep and monthly forecasting.
Access your transaction history and payment information anytime through your credit card account.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from VISA U.S.A. Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.
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"Business Expense Purchases" are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Telecommunication Equipment and Telephone Sales” (MCC 4812), “Telecommunication services” (MCC 4814), “Computer Network/Information Services” (MCC 4816), “Cable and other pay television” (MCC 4899), “Electric, Gas, Sanitary and Water Utilities” (MCC 4900), “Photographic, Photocopy, Microfilm Equipment and Supplies” (MCC 5044), “Computer and Computer Peripheral Equipment and Software” (MCC 5045), “Commercial Equipment (Not Elsewhere Classified)” (MCC 5046), “Office and Commercial Furniture” (MCC 5021), “Stationery, Office Supplies, Printing, and Writing Paper” (MCC 5111), “Stationery Stores, Office and School Supply Stores” (MCC 5943), “Advertising Services” (MCC 7311), “Computer Maintenance and Repair Services, Not Elsewhere Classified” (MCC 7379), or “Management, Consulting, and Public Relations Services” (MCC 7392). We have no control over MCC classifications.
"Gas Purchases" are net purchases made at any merchant whose merchant category code ("MCC") is classified by the payment card industry as "Service Stations" (MCC 5541) or "Automated Fuel Dispensers" (MCC 5542).
"Dining Purchases" are net purchases made at any merchant whose MCC is classified by the payment card industry as "Caterers" (MCC 5811), "Eating places and Restaurants" (MCC 5812), "Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques" (MCC 5813) or "Fast Food Restaurants" (MCC 5814). We have no control over MCC classifications.
“Net Purchases” are authorized, new purchases posted to the Account on or after your Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute. Net Purchases do not include: (a) annual fees, finance charges and other fees or charges posted to the Account; (b) cash advances (including but not limited to cash received over the amount of Purchases charged to the Account, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide (such as credit insurance premiums); or (e) other transactions that we determine not to be eligible. We are solely responsible for determining which transactions are eligible for point earnings and our determination is final.
The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
Complete details including restrictions, limitations, and exclusions will be available when you apply and become a cardmember. Benefit applies to Small Business cards only.
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