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 FREE Year-End Summary to help you track expenses by category, $0 Fraud Liability if your card is ever lost or stolen and you can request cards for employees 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.

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.

Starting with just 15,000 miles, you can redeem for a free ticket on ANY airline.

Absolutely! You can get cash, gift cards to popular stores and restaurants, brand-name merchandise and more.

There is no limit to the miles you can earn!

No, your miles are valid for the life of your account.

With this business credit card, you can choose to earn triple miles in any one of the following categories:

• Travel & Lodging: flights, hotels, car rentals, ground transportation and more
• Gas & Service Stations: service station stores and gas pumps
• Building Supplies & Hardware: lumber, building materials, hardware and home supply stores
• Computers & Electronics: electronics, computer maintenance, repair and software stores
• Office Supplies & Furniture: office furniture, stationery, office supplies and printing
• Advertising & Shipping: marketing, quick printing, postage, shipping and advertising services

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.

Starting with just 15,000 miles, you can redeem for a free ticket on ANY airline.

Absolutely! You can get cash, gift cards to popular stores and restaurants, brand-name merchandise and more.

There is no limit to the miles you can earn!

No, your miles are valid for the life of your account.

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

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.

Starting with just 15,000 miles, you can redeem for a free ticket on ANY airline.

Absolutely! You can get cash, gift cards to popular stores and restaurants, brand-name merchandise and more.

There is no limit to the miles you can earn!

No, your miles are valid for the life of your account.

You'll earn a full 1% cash back on all purchases, no matter where you shop or what you buy.

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.

No. Your cash rewards won't expire for the life of your account.

It gives you an easy way to keep business and personal expenses separate. Plus, by paying your bills on time and staying within your credit line, you'll build credit for your business.