Business Credit Card FAQ

To be tax compliant, nearly every registered U.S. business must be assigned this nine-digit number by the IRS. It’s like a Social Security Number for a business.

If you have questions about an application that you’ve already submitted, please call 1-800-903-9177 to speak with a business credit card specialist.

Upon approval, you should receive your card within 10 business days.

Yes. Once you have your card, you can enroll in Online Banking and pay your bill online. You can also mail your payments using U.S. Mail or an expedited mail service such as FedEx. You can find our mailing address on our Contact Us page.

Yes. After your account is open, you can call Customer Relations to request a different payment due date.

After your account is open, you can call Customer Relations to transfer balances any time.

All of our cards come packed with business management tools designed to make your life easier. You'll get a Year-End Summary to help you track expenses by category, $0 Fraud Liability if your card is ever lost or stolen and employee cards upon your request at no additional cost. And that's just the beginning! Check out the full list of business benefits here.

You can apply online or by calling 1-866-390-5934.
Or, if you received an offer in the mail, you can apply by calling the phone number listed on your letter, online or by mail. Please reference the Reservation Number and Access Code listed on your letter.

We’ll need to know some basic personal information, along with some information about your business—including your business’ total annual revenue and your business Tax ID Number or Employer ID Number.

We apply your minimum payment to lower rate balances before higher rate ones. We apply any portion of your payment in excess of your minimum payment to higher rate balances before lower rate ones. If your payment exceeds the minimum payment by an amount sufficient to pay a higher rate balance shown on your statement, you still may have a balance at that higher rate on your next statement as a result of transactions, interest, or fees charged to your account before your payment was credited. For example, if your monthly statement shows a $1,000 balance for cash advances, sending in a check for $1,000 plus your minimum payment amount may not bring your cash advance balance to $0. This is because interest continues to accrue on the $1,000 balance between the last day of the statement and the date we receive your payment, but the interest does not post to your account until the next statement.

We'll automatically send you a check at the end of each year. But, if you don't want to wait, you can get your cash any time you want by redeeming online or calling the Rewards Center at 1-800-228-3001, Monday thru Friday, 8 a.m. – midnight ET Saturday and Sunday, 9 a.m. – 10 p.m. ET

There's no limit to the amount of cash back you can earn.

Your rewards are yours for the life of the account—they will not expire. But if your account is closed, you will lose any rewards you have not redeemed.

Absolutely! You can redeem your miles for cash, gift cards, brand-name merchandise, and more! Redemption rates for these options vary and are subject to change without notice.

It's easy. Here's how it works:

• Book your travel. Use your card to buy your tickets from ANY Web site or travel agency.
• Redeem your miles. Call us or go online to redeem your miles and get reimbursed for your purchase.
• Receive a statement credit. Your account will be credited for your purchase. Or, if you prefer, you can call our Rewards Center directly to purchase your ticket(s) and redeem your miles.

Your rewards are yours for the life of the account—they will not expire. But if your account is closed, you will lose any rewards you have not redeemed.

There is no limit to the miles you can earn!

 No! You'll earn 2% cash back on all of your purchases—no matter where you shop or what you buy.

With this card, new account holders earn the $100 bonus after spending $1,000 on purchases within the first 3 months.

If you sign up for one or more employee cards within the first 60 days of being a cardholder, you'll receive $50. In addition, you'll earn 2% cash back on all the purchases your employees make with those cards.

No! You'll earn 2X miles on all of your purchases—no matter where you shop or what you buy. 

With this card, new account holders earn the 10,000 bonus miles after spending $1,000 on purchases within the first 3 months.

If you sign up for one or more employee cards within the first 60 days of being a cardholder, you'll earn 5,000 bonus miles. In addition, you'll earn 2X miles on all the purchases your employees make with those cards.

You get a 50% bonus on the 1% cash back you earn on purchases throughout the year. This bonus is added to your rewards account every year on your account anniversary. For example, if you earn $240 cash back during the year, you will get a bonus of $120.

You get a 50% bonus on the miles you earn on purchases throughout the year. This bonus is added to your rewards account every year on your account anniversary. For example, if you earn 24,000 miles during the year, you will get a bonus of 12,000 miles!

Using this card gives you an easy way to keep business and personal expenses separate. And, by paying your bills on time, staying within your credit line, and using your card responsibly, you'll build credit for your business. Plus, you won't pay an annual fee and you will earn 1% cash back on all purchases. 

Using this card gives you an easy way to keep business and personal expenses separate. Plus, it offers our lowest intro APR, you won't pay an annual fee, and you will earn 1 mile per dollar spent on all purchases.