Business Credit Cards

Earn higher rewards with the more you spend.


Cash Back Rewards

Annual Spending

from $0.00 and up


Cash Back Rewards

Annual Spending

from $40,000 and up


Cash Back Rewards

Annual Spending

from $1,000,000 and up


Cash Back Rewards

Annual Spending

from $5,000,000 and up

Cash Back Rewards based on total purchases applied to your FirstBank Business Visa Credit Card during the account year. Cash Back Rewards amounts are redeemed and reset automatically once a year on the card's anniversary date. A minimum of $10 must be earned or the rewards will be forfeited. The rewards do not carry over year after year. No annual fees and automatic enrollment.

Annual Percentage Rate (APR) for Purchases:


Annual Percentage Rate (APR) for Balance Transfer:


Annual Percentage Rate (APR) for Cash Advances:


Introductory Annual Percentage Rate (APR) for Purchases:


Annual Percentage Rate (APR) for Purchases:


Introductory Annual Percentage Rate (APR) for Balance Transfer:


Annual Percentage Rate (APR) for Balance Transfer:


Annual Percentage Rate (APR) for Cash Advances:


Penalty APR and when it applies:


Annual Fee:

  • FirstCash Rewards:


International Transaction Fee:


Balance Transfer:


($2 minimum)

Cash Advance:


($2 minimum)

Late Payment:

Up to $35

(Waived if the balance owed is less than $20)

This disclosure information is accurate as of March 1, 2023. You may contact our representatives at 303-237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.

Introductory APR

The Annual Percentage Rate (APR) for the first 6 months that your account is open. A lower APR rate ("Introductory Rate") will apply to your account or to certain transactions in your account for a specified period of time ("Introductory Period") in connection with special promotions that we may offer. The Introductory Period will end earlier if your account is closed. After the Introductory Period, interest will be imposed against any outstanding balance at the end of your billing cycle at the applicable APR rate that has been disclosed to you. Accounts with a credit limit exceeding $25,000.00 are not eligible for the Introductory Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and convenience checks on the transaction date.

Minimum Interest Charge


How We Will Calculate Your Balance

We use a method called "average daily balance," including new purchases. To compute the average daily balance, each day's balance for the billing cycle is summed then divided by the number of days in the cycle.

Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

To apply for a Business Credit Card visit any FirstBank location.

Read Credit Card Agreement

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Customized Spending

Business Credit Card

Issue cards to employees with the peace of mind knowing that you can limit the transactions allowed on their cards.

  • Have a fleet of vehicles? Limit transactions to gas or fuel service stations.
  • Have employees that travel? Limit transactions to airlines, auto rentals, hotels, and transportation.
  • Block transactions from foreign merchants.
  • Block cash advances and ATM withdrawals.
  • Block gambling transactions.

Business Credit Card Account Options

Have the freedom to decide how you want to manage your credit card by choosing between the Standard or Payment Refresh options. There's no limit on the number of cardholders allowed, you can set different limits for each cardholder and receive statements that show all sub-cards' activity. Plus you just have to make one payment to the main card and we will distribute it among all the individual sub-cards.

Standard Account

  • Your payment will only disburse at the end of the statement cycle and all balances on the sub-cards reset to 0.
  • Gives you more control over your spending.

Payment Refresh Account

  • Make payments at any time and for any amount and all balances on the sub-cards reset to 0.
  • Gives you access to the full sub-cards' funds after any payment.


We want to make your life easier. Manage and view all of your business credit cards through one convenient online portal.

  • Schedule one time or recurring payments in advance.
  • Change and adjust sub-cards' limits at any time.
  • Add or reopen cards.
  • View and download transactional history.
  • Limit access by closing or suspending cards.
  • View and print your statements.
  • Dispute fraudulent transactions.
  • Assign Cost Allocation Codes to transactions.
  • Upload images of receipts.
  • Manage access for cardholders and users.
  • Access on-the-go from your mobile device.

Please contact a Treasury Management representative at 855-426-1500 to enroll.


  • APR will vary with the market based on the Wall Street Journal Prime Rate.
  • The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. © 2018 Visa. All Rights Reserved.