Make business owner looks at a business credit card while making a purchase over a mobile device

Business Credit Cards

Make your business purchases work for you! Using a credit card for your business needs is a way to earn more on purchases you were already making. Select the best business cards for your needs: cashback credit card, reward credit card, or a regular business credit card. You'll find the one that will work best for your business.









Discover the Right Card For Your Business

Red squiggle line.
Choosing the right business credit card is easier than ever.


Featured Card

Business Cash Preferred Card
Capital Business Credit Card
Triple cash back.
  • 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores and on dining, including takeout and food delivery service purchases.1,2
  • 1% unlimited cashback on all other eligible purchases.
  • $100 annual software credit after11 consecutive monthly software transactions.3
  • $25 cashback awarded after first purchase.4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account.
Featured Card
 
Business Card
Capital Business Credit Card
Purchasing power.
  • Save on interest with a great low introductory rate for an extended time.
  • Use for large purchases, unexpected expenses or last minute necessities.
  • Pay down your other high-rate credit card balances faster.
  • Easily manage employee spending with employee cards.
  • Non-Rewards. 


Featured Card

Smart Business Rewards Card1
Capital Business Credit Card
Automatic max rewards.
  • 2X points per $1 spent in top two spend categories each month — automatically.2,7
  • 1X points monthly per $1 spent on other eligible purchases.
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening — a $200 value.8
  • Redeem for merchandise, gift cards, travel or cash back.6
Featured Card
 
Business Real Rewards Card
Capital Business Credit Card
Simple, easy rewards.
  • 1.5X points monthly for every $1 you spend on eligible 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 for rewards.
  • 2,500 bonus rewards points awarded after first purchase4.
  • Redeem for merchandise, gift cards, travel or cash back.6




Explore our personal credit card options.



















































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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.1 Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal.2 Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.3 Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

4 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.

5 Business Real Rewards Card: You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.

6 Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).


7 Smart Business Rewards Card: You 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 https://card.myaccountaccess.com/smartbusinessMastercard to see the full list of eligible merchant categories.

8 If you’re approved for a new Smart Business Rewards Card, 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 Cardmember 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.
*Elan 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.The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.