Earn dividends or cash back
Business Credit Cards
Lower rate or cash back? It's your choice!
Looking for an easy way to save while streamlining your business expenses? Then look no further. Our business credit cards offer two amazing options: cash back or a great everyday low rate. Choose the one that fits your business today!
2% Cash Back
Enjoy no annual fee and earn unlimited 2% cash back.
- Earn 2% cash back for every dollar spentAPR is the Annual Percentage Rate. As of 11/02/2024, the variable APR ranges from 15.99% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
- Enjoy $0 annual fee in addition to your cash back
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
This card is a great fit for businesses that often pay their balance in full, want no annual fee, and the ability to earn unlimited cash back with no category restrictions.
Low-Rate Card
Enjoy an everyday low rate as low as 13.04% APR APR is Annual Percentage Rate. No annual fee and no balance transfer fee. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Foreign transaction fee = 1%. Late payment fee up to $40. Interest on cash advances and overdraft transfers will be charged at the business member’s standard APR on balance from the transaction date. As of 11/02/2024, the standard variable APR is 13.04%-18.00%. Offer subject to change without notice and may end at any time. Subject to credit approval. .
- Save on interest with an everyday low rate
- Enjoy $0 annual fee
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
This card is ideal for businesses that tend to carry a balance and want to save with a low rate and no annual fee.
Frequently Asked Questions
What is a business credit card?
A business credit card is a useful tool for managing day-to-day expenses and improving cash flow for your business. It can also be used to cover immediate short-term needs and small capital expenditures without the need for a formal borrowing request.
How do I apply for a business credit card?
Applying is easy! Just fill out an application online or at your local branch. You may need to provide details about your business and some personal info, like your Social Security number, to help us process your application.
How do you determine who is eligible?
Eligibility is usually based on a few key factors, such as your personal credit history, revenue, years in business, and other debt obligations.
Can I still get a line of credit if I open a business credit card?
Absolutely! A business credit card gives you a revolving line of credit, and you can also apply for a separate business line of credit if you need more funds. It’s all about finding what works best for your business needs.
Does the business credit card offer any rewards?
Yes, we offer two fantastic options: a cash back card that gives you 2% back on every dollar you spend, or a card with a lower rate that’s ideal if you tend to carry a balance. Either way, you’ll enjoy plenty of perks, including no annual fee, access to My Cards, and other built-in Mastercard® benefits.
Does the business credit card offer a low rate?
Yes, both of our business credit cards feature competitive, low rates. Whether you opt for the cash back card or the lower rate card, you’ll benefit from some of the best rates available.