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Small Business Credit Cards

Enjoy business benefits.

Make the most of every dollar spent.

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Please see the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required. For the limited time offer Visa Card an introductory balance transfer fee1 of 4% for the first 15 billing cycles after the account is opened applies to this offer (minimum $10). After that, a balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10). For the Visa Card an introductory balance transfer fee1 of 4% for the first 6 billing cycles after the account is opened applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10). For the Visa Card with Cashback and the Secured Visa Card, a balance transfer fee1 of 5% (minimum $10) applies to each transfer.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

Additional Features3

Visa® Zero Liability6

Our 24/7 guarantee that you won't be held responsible for fraudulent charges made with your card or account information.

Automatic Discounts

See qualifying purchases with Visa SavingsEdge®.7

Cell Phone Protection8

Receive automatic coverage, at no additional cost, when you pay your monthly cell phone bill with your First National Visa® Business Card.

Free 24/7 Online Access

Manage your account, view transaction activity and history, pay your bill, set up alerts and more.

Free Management Reports

Track expenses, monitor spending, spot tax deductions, prepare tax filings and forecast expenses with ease.

Cash Flow Management

Flexibility to cover the cost of supplies, equipment, travel and more.

Added Security

Enjoy fraud protection and identity theft protection.

Important Information

Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion.

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms link for each product listed above.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms link for the rewards product listed above for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.

3 Complete program details Including restrictions, limitations, and exclusions will be available when you become a Cardmember.

4 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.

5 See the Deposit Agreement available when you apply for details.

6 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

7 Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a "Qualifying Purchase"). Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to cancel the program. Visa also reserves the right to suspend or cancel any cardholder’s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder's receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder's applicable Visa Business card account. Please visit Visa SavingsEdge for complete details on the program, including the program terms and conditions.

8 Protection covers the primary line and up to the first four secondary lines listed on your statement against damage and theft; with up to $1,000 per 12-month period, or $600 per claim (subject to a $50 deductible).

Cards are issued by First National Bank of Omaha, pursuant to a license from Visa U.S.A., Inc. VISA is a registered trademark of Visa International Service Association and used under license.