Credit Cards

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Rewards are a nice enhancement to daily business spending.

Expense management tools
Free cards for your employees
EMV smart chip technology

Growing your business means getting a credit card that's tailored to your needs.


Credit CardSuccessful entrepreneurs choose credit cards as carefully as they select other vendors. Many of our business cards have no annual fees.

Why not get better bonuses on gas purchases if you operate a big fleet? Because businesses have different needs, Atlantic Union Bank offers six separate Visa® cards, each one offering free online reporting and free cards for employees. That adds up to more choices for you. 

Flexible Cash Rewards For Your Business

Visa® Business Cash Card

  • 3% cash back1 on eligible net purchases from office supply stores, phone, internet and cable TV services2,5
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase1,4
  • No annual fee
Rewards To Use The Way You Want

Visa® Business Real Rewards Card4

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back) 
  • No cap or limit on the number of points you can earn, and you have 5 years to redeem for rewards5
  • 2,500 bonus rewards points awarded after first purchase,redeemable for $25 cash back, merchandise, gift cards or travel savings
  • No annual fee

Smart Business Rewards Visa® Card

  • Earn 2 points monthly for every $1 spent in your top two spend categories – automatically3
  • Earn 1 points monthly for every $1 spent on other eligible purchases3
  • Plus, earn 20,000 bonus reward points when you spend $500 in the first 90 days of account opening4,5
  • No cap or limit on the number of point you can earn5
Pay Down Balances

Visa® Business Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • No annual fee
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The following cards are also available. Please visit your nearest branch or contact a Relationship Manager to apply. 

Visa Signature® Business Company Card

  • Designed for medium to large size businesses with at least $5 million in annual net sales
  • Convenient way to manage cash flow and expenses 
  • Enhanced reporting
  • Enjoy a generous credit line and optional rewards program

Visa® CommUNITY Card

  • Designed for nonprofits and municipalities
  • No personal guarantee required
  • Employee controls, consolidated statements
  • Enjoy a generous credit line and optional rewards program
Disclosures:

1Reward points can be redeemed as a cash deposit to a checking or savings account with Atlantic Union Bank or as a statement credit to your credit card account within one to two billing cycles.

2Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. 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 or restaurants. In addition, 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, landline, internet and cable TV services. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3Smart 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. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points in the merchant code is not eligible. Points expire five years from the end of the quarter in which they are earned. $95 annual fee (waived first year)

4First purchase bonus  points or cash back 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 the Authorized Officer purchases. A one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more made to the Authorized Officer’s Card within 90 days from account opening.

5The 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).

6Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

 

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