Small Business Credit Card

Improve cash flow with the card that’s built for better business

Our small business credit card helps you strike the perfect balance between growing your business and maintaining an optimal level of working capital. Take advantage of vendor early payment terms without negatively impacting your current cash flow. Pay your vendors with a small business credit card and extend your accounts payable cycle without incurring interest expense when you pay your balance in full.

0% APR

for 12 months from the date of account opening on purchases and balance transfers. After the intro period, the Annual Percentage Rate (APR) will be 18.00%. This APR will vary with the market based on the Prime Rate1.


No Annual Fee

Cash Back Reward Benefits



Cash Back Rewards
at Office Supply Stores for your first $10,000 in net spend annually2



Cash Back Rewards
Gas and Restaurants for your first $20,000 combined net spend annually2



Cash Back Rewards
on all other qualifying purchases2

Rewards ExampleSpendCash Back Rewards
5% Office Supply Stores$8,750.00$437.50
2% Gas & Restaurants$14,000.00$280.00
1% All Other Purchases$12,250.00$122.50
The above chart is an example. Cash Back Rewards will depend on qualifying purchases.

Superior Card Management

Access your small business credit card account information easily and securely online at no cost to you. At, you can securely view your card account summary, including the balance, credit line, payment due and more.

Card Management also allows you to view current and historical transaction activity, view up to 24 months of eStatements, download account data into Quicken® or Microsoft Money® accounting software, make payments, initiate card disputes and receive alerts on balance transaction and payment events.

Visa SavingsEdge® Discount Program

This service provides enrolled cardholders automatic discounts on qualifying purchases at participating merchants. Discounts require no coupons or codes. Qualifying purchases at participating merchants earn credits that are applied directly to your card statement. Includes the Visa SavingsEdge® mobile app to find savings near you. Learn more at

You may also be interested in:

Small Business Loans

Whether you need more office space, new equipment or just a line of credit, we have financial solutions to help your small business.

Small Business Checking and Savings Accounts

Easily manage your day-to-day business finances with solutions designed to support the needs of new and growing businesses.


Our Commercial Banking Team is ready to help your business grow.

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Normal underwriting guidelines apply. See banker for details. Credit Cards are issued and serviced by HTLF Bank d/b/a HTLF Bank Card Services. Geographic restrictions may apply.

25% Cash Back Rewards on the first $10,000 net spend annually at office supply stores. 2% Cash Back Rewards on the first $20,000 combined net spend annually between restaurants and gas. Spend over this amount will receive 1% Cash Back Rewards on net purchases. Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution. Minimum point redemption amount applies. Review the program’s terms and conditions at or call ScoreCard Customer Service at 1-800-854-0790. The program’s rules can change at any time without notice. Void where prohibited or restricted by law.