Boost Your Business: Low Rate or Cash Back Credit Card? You Choose!

As a business owner, you know that every dollar counts. That’s why choosing the right financial tools is crucial for managing and growing your business–including the right credit card to help you build a solid credit history, increase cash flow, and keep your personal and business finances separate.  

But with so many options on the market, it’s hard to know where to start. Fortunately, we’re here to help with two great options: a card that earns 2% cash backEarn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. and a card with a competitively low everyday rate.  

Low-Rate Credit Card

Imagine saving on credit card interest every month. With our Business Platinum Mastercard®, you’ll enjoy a low rate every day that can make a real difference to your bottom line. Here’s how:  

• Save Money. Save money with our competitive everyday APR as low as as low as 13.54% 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 9/02/2023, the standard variable APR is 13.54%-18.00%. Offer subject to change without notice and may end at any time. Subject to credit approval. . It’s one of the best rates you’ll find, especially compared to the average business credit card rate of 22.16% APR.⁵ With lower interest payments, you’ll have more cash flow to reinvest in your business. And the best part? Our low rate isn’t just an introductory offer—it’s a great low rate every day. Plus, you save even more with no annual fee to worry about. 

• Manage Debt Easily. Low rates make managing or paying off your balance more convenient, ensuring a healthy revolving cash flow for your business. 

• Enjoy Flexibility. Make necessary purchases or cover unexpected costs without the stress of high-interest charges looming over you.  

• Have Higher Credit Limits. Designed specifically for business use, our cards typically offer higher credit limits than personal cards, giving you more purchasing power.    

If you tend to carry a balance, then this is a smart financial move to save money each month. 

Cash Back Credit Card

Want to earn cash for your business with every purchase? Then our Business Rewards Card is for you, offering unlimited 2% cash backEarn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. on every purchase—no limits, no categories. Here’s why it’s a great idea:

• Earn Unlimited 2% Cash Back.Earn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. With no category restrictions to worry about, you’ll earn cash back on all your business expenses, such as internet, utilities, office supplies, equipment, and more!  

• It adds up quickly. Unlimited 2% cash backEarn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. on every dollar spent means significant savings. Imagine you’re at a restaurant spending $4,000 a month on food inventory. With this card, you’ll earn $80 a month or $1,000 a year on purchases you’re already making.  

• Easy Money to Reinvest in Your Business. Use your cash back to fund new projects, buy equipment, expand services, and more. It’s like getting a discount on everything you buy.  

Extra Perks for Both Cards

Regardless of which card you choose, you’ll enjoy additional features, such as:  

• $0 Annual Fee. Save with no annual fees or minimum finance charges on any of our business credit cards.  

• $0 Fraud Liability. You won’t be held responsible for unauthorized charges made with your account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.

• Tap to Pay (Contactless). Pay in seconds with a tap of your card at a contactless-enabled terminal.  

• Authorized Users. Share the convenience of your card with another authorized user. 

• Easily Redeem Your Cash Back. Redeem your cash back through the uChoose Rewards program, or opt for gift cards, travel, activities, and more.  

• Digital Wallet. Securely store your card in your phone’s digital wallet for quick checkouts in-store or online. 

• Identity Theft Resolution Services. If you become the victim of Identity Theft, Mastercard® will assist you with credit bureau notification, card replacement, and provide you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.

• Digital Banking. Enjoy convenient, secure 24/7 access to your accounts right from any device. Control your card 24/7, pay bills, send secure messages, make digital payments, and so much more. 

Take the Next Step

Investing in your business with a credit card that offers an everyday low rate or cash back rewards is a game-changer. Why wait? Apply now and watch your business thrive. Apply today!