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Business Edition® Visa® Card with Business Category Rewards

Featured in photo: Rebecca Gengler, More Polish Pottery, Big Rock, Ill.

Business Edition Visa Card art

Business Edition® Visa® Card with Business Category Rewards

Account Summary

  • No annual fee1
  • 0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles. After that, a variable APR based on the Prime Rate between 14.99% and 21.99% APR depending on your creditworthiness.
  • Earn 5 Points per $1 Spent on qualifying business expenses (up to $25,000 during a period of 12 billing cycles. After $25,000, earn 1 point per $1 spent).2
  • Earn 2 Points per $1 Spent on qualifying gas and dining transactions (up to $25,000 during a period of 12 billing cycles. After $25,000, earn 1 point per $1 spent).2
  • Earn 1 Point per $1 Spent on other purchases.2 Points can be redeemed for travel, cash back as a statement credit, gift cards, and merchandise.2 Plus, you have 3 years from when points are awarded to use them before they expire.

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required. An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10).

You must pay your entire statement balance (including all promotional purchases and balance transfers 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 Liability Policy4

You won't be held accountable should unauthorized charges appear.

Automatic Discounts

See qualifying purchases with Visa SavingsEdge®.5

Cell Phone Protection6

Receive automatic coverage, at no additional cost, when you pay your monthly cell phone bill with your Visa business card.

Free 24/7 Online Access

Mange 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, extended warranties, travel accident insurance and identity theft protection.

Important Information

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

See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

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

4 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

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.

6 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.