Spend with increased convenience, track business expenses, better manage your cash flow, and earn rewards. All with one credit card.

Key Features

  • Competitive Rates
  • Anytime Funds

Visa® Business Platinum Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

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Visa® Business Cash Card

  • 3% cash back on eligible net purchases from office supply stores, phone, and tv services1
  • Earn 2% cash back on eligible restaurant and gasoline net purchases
  • Earn 1% cash back on all other eligible purchases
  • $25 cash back awarded after first purchase

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Visa® Business Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)2
  • No cap limit on the number of points you can earn, and you have five years to redeem for rewards3
  • 2,500 bonus rewards points awarded after first purchase3

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Visa® Business Rewards PLUS Card

  • Earn 3 points monthly for every $1 you spend the most one: cellular phone service, hotel, or airline4
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus earn 20,000 one-time bonus rewards points after you spend $2,0000 in the first 3 months5
  • No cap or limit on total cash back you can earn, and you have five years to redeem for rewards2

Apply Now

Apply online or contact any Midwest Bank location and a banker will assist you with questions or in completing a business credit card application. Elan Financial Services is the creditor, issuer and service provider, pursuant to a license from Visa® U.S.A. Inc. for all Midwest Bank's credit card.

If you have questions about your existing business credit card, please call Elan Business Cardmember Service, 24 hours a day, 7 days a week at 1-866-552-8855. For online services such as viewing current balances, paying a bill or setting up auto-pay, visit Credit Card Account Access.

1"Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $0.01 in Cash Back rewards earned is equal to 1 point. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Points earned on Net Purchases (purchases minus credits and returns). Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. You will earn 1 Reward Point ("Point") for each dollar of Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, land line, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations and restaurants. The number of additional Points earned on office supply store purchases, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

2The 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 Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

3Rewards Points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus Points are awarded only on Authorized Officer purchases. Monthly net purchase bonus Points will be applied each billing cycle.

4Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account. You may earn additional points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle.

5Rewards points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. One-time bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. One-time bonus points are awarded only on Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account. Monthly net purchase bonus points will be applied after each billing cycle.

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