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 reward points² ᵃⁿᵈ ⁶ — and all give you practical tools to help manage your business.

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The basics

Webster Visa® Business Card

Pay down balances

  • Save on interest with a great low introductory rate for an extended time
  • Use for large purchases, unexpected expenses or last-minute necessities
  • Pay down your other high-rate credit card balances faster
  • Easily manage employee spending with employee cards
  • Non-rewards

Webster Visa® Business Real Rewards Card

Flexible rewards to use the way you want

  • Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • $25 awarded after first purchase4 — that’s 2,500 bonus rewards points
  • Redeem for merchandise, gift cards, travel or cash back6

More reward options that fit your needs

Webster Visa Business Cash Preferred Card

Cash rewards for your business

  • 3% cash back on eligible purchases from gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases1,2
  • $100 annual software credit after 11 consecutive monthly software transactions3
  • 1% unlimited cash back on all other eligible purchases
  • $25 cash back awarded after first purchase4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account

Webster Visa Smart Business Rewards Card

Earn more rewards

  • 2X points per $1 spent in top two spend categories each month – automatically2,7
  • 1X points per $1 spent on other eligible purchases
  • Redeem for merchandise, gift cards, travel or cash back6
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days – a $200 value8

Frequently asked questions

  • 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.)

Please note

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Disclosures

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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned. Subject to credit approval.

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

1Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal.

2Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

3Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

4Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.

5Business Real Rewards Card: You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.

6Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).

7Smart 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. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories.

8 If you’re approved for a new Smart Business Rewards Card, one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.