Business Edition® Visa® Card with Reward Simplicity
Earn unlimited rewards simply, anywhere.
No annual fee.1
0% introductory Annual Percentage Rate (APR)1 on purchases and balance transfers for the first 6 billing cycles.
After the introductory APR, your APR will be 14.99% to 21.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum fee $10). After 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).
Unlimited 1.5 Points per $1 Spent on net purchases everywhere you shop.2
Points can be redeemed for travel, cash back as a statement credit, gift cards and merchandise.2 Plus, you have 3 years from when points are awarded to use them before they expire.2
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
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.
2See the Reward Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.
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 is a registered trademark of Visa International Service Association and used under license.
You're leaving our site
You are leaving TCF's website and entering a third-party website that TCF does not control. TCF is providing this link as a convenience and does not endorse and is not responsible for the products, services, links, content, privacy or security policies, or system availability of this website. TCF's links to social media sites are also being provided as a convenience. TCF does not endorse and is not responsible for any and all content not posted by TCF.
Personalize your banking experience by entering your location.
ZIP code is required.
Enroll now! Select one and continue.
I don’t have a login ID and have not banked online with TCF.
I have a login ID to bank online and can use it to log in now.
“Net purchases" are authorized, new purchases posted to the Account on or after enrollment in the program, 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 by us to the Account; (b) cash advances (including but not limited to cash received over the amount of Net 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.
Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute.
The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of 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 May determination date.
Promotional rate includes an introductory rate offered in connection with the opening of an account.
Purchase Security and Extended Protection automatically protect many new retail purchases that you make with your eligible Visa Business card. The benefits—available at no additional charge—protect your eligible purchases in two ways:
Purchase Security covers eligible items of personal property purchased entirely with your Visa Business card from theft or damage for the first ninety (90) days after purchase. Purchase Security will, at the Benefit Administrator’s discretion, replace, repair or reimburse you up to the original purchase price, not exceeding a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder.
Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder.
Who is eligible for these benefits?
You are eligible if you are a valid cardholder of an eligible Visa Business card issued in the United States.
Complete details including restrictions, limitations, and exclusions will be available when you apply and become a cardmember. Benefit applies to Small Business credit cards only.