Business credit cards

Credit cards are a viable solution for short-term credit and to aid in cash flow. Many of our cards offer cash back or rewards points¹ — and all give you practical tools to help manage your business.

The basics

Webster Visa® Business Platinum Card

Pay down balances

  • Ideal for consolidating multiple cards
  • Low introductory rate for an extended time8
  • No rewards

Webster Visa® Business Real Rewards Card

Use rewards how you want

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No caps or limits on the number of points you can earn and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase6

More reward options that fit your needs⁴

Webster Visa® Business Cash Card

Flexible cash rewards

  • 3% cash back2 on eligible net purchases from office supply stores, phone, and TV services3,4
  • 2% cash back on eligible restaurant and gas station net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase6

Webster Visa® Business Rewards PLUS Card

More ways to earn more points

  • Earn 3 points monthly for every $1 you spend the most on: mobile phone services, hotels, and airlines7
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Receive 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months6
  • No cap or limit on the total cash back you can earn4
  • Five years to redeem for rewards4

Frequently asked questions

Small Business Credit Cards

Do I have online access to my account?

Absolutely – log into Online Banking 24/7 to review your spending, make payments and more.

How do I apply for a small business credit card?

You can apply online in minutes – just answer a few questions about you and your business to get started.

Why do I need a small business credit card?

Not only does a unique credit card provide your small business with a useful financing tool, it can help keep your spending more organized. It also gives you the opportunity to earn rewards for your purchases and put that cash back into your business. (Or maybe towards a much-needed vacation.)

Disclosures

1Redeem your points for cash back, merchandise, travel and gift cards from popular retailers. 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 or 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. Net purchases are purchases minus credits and returns. You have five years to redeem your points for rewards.

2Reward 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.

3Cash 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.

4The 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).

5Real 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.

6Bonus 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.

7Rewards 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.

8Platinum: The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

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