Small Business Credit Card

Built for Better Business
New bank branded small business card.

Small Business Credit Card

  • 0% APR for 12 billing cycles on purchases and balance transfers
  • No Annual Fee
  • Spending controls (e.g. restrict to fuel only purchases)
  • Online Card Management with  Learn More
  • Fraud protection
  • Consolidated or Individual Pay billing options
  • Auto rental collision damage waiver
  • Travel and emergency assistance services

5% - 2% - 1%

Cash Back Rewards1

Contact Us To Get Started

Pricing & Terms

New and improved rewards allow you to spend where your business needs it most while receiving a great return. Use your rewards in a way that best suits you – a nice treat at the end of the year, a cash bonus to your employees or reinvest in your business. Points are redeemable for cash in a checking or savings account, a credit on your credit card statement, gift cards or travel.


Cash Back Rewards
at office supply stores for your first
$10,000 in net spend annually1

office supplies icon


Cash Back Rewards
on gas and restaurants for your first
$20,000 combined net spend annually1

store icon


Cash Back Rewards
on all other qualifying purchases1

cash back icon

Go to Your Rewards Site

Rewards Example:


Cash Back Rewards

5% Office Supply Stores



2% Gas & Restaurants



1% All Other Purchases






The above chart is an example. Cash Back Rewards will depend on qualifying purchases.

Card Management

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

This tool allows you to view current and historical transaction activity, enroll in eStatements and view up 24 months online, make payments, indicate card disputes, and receive alerts on balance transaction and payment events.

Go to Your Card Management Portal

Increase Working Capital

Our Business Credit Cards helps you strike the perfect balance needed 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 position. Pay your vendors with a business credit card and extend your accounts payable cycle without incurring interest expense when you pay your balance in full.

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. To find savings near you, the Visa SavingsEdge® mobile app is available. Search for savings by Zip Code, keyword, featured deals or browse what’s near you. Learn more at

Contact Us To Get Started

1 Cash Back Rewards are the rewards earned under the program. They are tracked as points and for each $1 spent on a purchase, 1 Cash Back Reward point is earned, which qualifies for $0.01 for redemption. You earn Cash Back Rewards on all qualifying purchases. The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments. You may review the full Terms and Conditions of the Cash Back Rewards program at our rewards site,

Credit cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services.