alert caret-right hud lock search menu close LinkedIn Youtube Twitter Facebook Skip to main content

Business Credit Card


Businesses aren’t all the same and neither are their needs.  American Federal offers a variety of credit card options tailored to your business.  A Business Credit Card is a smart and convenient way to pay for business travel, office supplies and much more.

American Federal’s suite of Business Credit Cards offers the flexibility to separate business from personal expenses and provide access to free spending reports.

Benefits include:

  • Realize instant purchasing power
  • Replace petty cash
  • Control spending limits by employee
  • Pay recurring bills
  • No need to carry a bulky business checkbook or cash
  • Purchases made through the month are tabulated into one consolidated monthly bill

There are many options to consider. Your American Federal Banker can help guide you through the process.

Benefits include:

  • Flexible centrally-billed or individual statements
  • Shared or combined employee spending limits
  • Business name printed on cards
  • Cash Advance functionality
  • Varied monthly payment options, including full payment, a set amount or minimum payment due
  • Selected payment billing dates
  • Misuse protection for terminated employees

Flexible Cash Rewards For Your Business

Visa® Business Cash Card

Earn cash back1 every time you use your card: 3% on eligible net purchases from office supply stores, phone and TV services,2,4 2% on eligible net restaurant and gas purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase.3 More

Apply Now

Rewards To Use The Way You Want4

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).5 Plus, earn 2,500 bonus rewards points after your first purchase.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.4 More

Apply Now
Visa® Business Rewards PLUS Card

Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline.6 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 $2,000 in the first 3 months.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.4 More

Apply Now

Pay Down Balances

Visa® Business Platinum Card

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card. More

Apply Now

Your American Federal Banker can help you determine which option best fits your business.  Once your application is approved, your company determines an administrator authorized to add cards, request limit changes, or cancel cards.

For more information and to apply.

Access your American Federal Credit Card account.

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

2 Cash 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 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. 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 or restaurants. 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.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4 The 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).

5 Real 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.

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“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.

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

This information offers general advice and is not intended to be marketing, legal or tax advice. Consult your attorney, tax accountant or other professional.