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Small Business Credit Cards

Business Credit Cards are ideal for companies with less than $5 million in annual revenues looking for an easy solution to manage cash flow with no annual fee1 and the option to have a rewards program.

First Bank Business Edition® Card with Business Category Rewards

Earn bigger rewards on business-related purchases
  • 5 Points per $1 Spent on qualifying business expenses (up to $25,000 during a period of 12 billing cycles. After $25,000, earn 1 point per $1 spent).2
  • 2 Points per $1 Spent on qualifying gas and dining transactions (up to $25,000 during a period of 12 billing cycles. After $25,000, earn 1 point per $1 spent).2
  • 1 Point per $1 Spent on other purchases.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.
  • 0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles.
  • After that, a variable APR based on the Prime Rate between 13.74% and 20.74% APR depending on your creditworthiness.
  • No Annual Fee1

First Bank Business Edition® Card with Reward Simplicity

Earn unlimited rewards simply, anywhere
  • Earn Unlimited 1.5 Points per $1 Spent on 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.
  • 0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles. After that, a variable APR based on the Prime Rate between 13.74% and 20.74% APR depending on your creditworthiness.
  • No Annual Fee1

 

 

First Bank Business Edition® Card

Get a great rate
  • Reward yourself by saving money on interest with a great intro rate.
  • 0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles.
  • After that, a variable APR based on the Prime Rate between 10.74% and 18.74% APR depending on your creditworthiness.
  • No Annual Fee1

First Bank Business Edition® Secured Card

  • Variable 18.74% APR1 on purchases and balance transfers based on the Prime Rate.
  • Request your own credit limit3 between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval.
  • Security deposit is 110%3 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
  • Reward yourself with interest earned on your security deposit4
  • $39 Annual Fee1

 


Important Information

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Except for the Secured Card, an introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer you make. For the Secured Card, a balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10).

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 link for the product listed above.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms.
3 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.

4 See the Deposit Agreement available when you apply for details.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.