Business Credit Cards
Centric Bank’s Visa® business credit cards come with a variety of important features including award-winning expense management tools, free employee cards, mobile payment capabilities for added convenience, and added security benefits including EMV smart chip technology.
Any questions or concerns? Do not hesitate to contact one of our banking specialists.
PAY DOWN BALANCES
Visa® Business Platinum Card
(*Online Application not currently available, apply physically at one of our Financial Centers)
FLEXIBLE CASH REWARDS FOR YOUR BUSINESS
Visa® Business Cash Card
REWARDS TO USE THE WAY YOU WANT 4
Visa® Business Real Rewards Card
REWARDS TO USE THE WAY YOU WANT 4
Visa® Business Rewards PLUS Card
Business Credit Cards Can Be Great Financial Tools
Finding the best business credit in Pennsylvania is a crucial part of your business success. Businesses, quite simply, need to have financing on hand to deal with the everyday realities of operations. Business credit cards can help you:
- Pay vendors
- Deal with emergencies
- Purchase more inventory or supplies when needed
- Keep business expenses separate from personal expenses
- Improve cash flow
- Pay for any services you need
Owning a business is unpredictable. One month you may see fewer sales and the next month you may be struggling to keep inventory on the shelves. It can be difficult to predict what will happen at your business from one month to the next — or even one day to the next. Even with the best forecasting, the unexpected can happen. When it does, business credit cards in PA give you a flexible, revolving type of credit so you can take advantage of any opportunities and handle any issues that arise.
If you already have multiple business credit cards, getting a low interest business credit card allows you to regain control of your organization’s finances by consolidating your credit card debts and working to pay them off.
Finding the Right Business Credit Cards in Pennsylvania
You have many credit card options. If you are a sole proprietor or small business, you may even be tempted to use your personal credit card. Unfortunately, at tax time, this can cause problems. Keeping your business and personal expenses separate is an important step in ensuring you are taxed fairly and can meet all financial obligations and rules.
When it comes time to choose your business credit card, you'll want to consider:
- The Rate. As with all credit cards, the interest rate is one of the deciding factors when choosing a card. While you may be able to write off some of your business expenses (and this can include credit card interest rates), the lower the rates, the easier it is to pay off what you owe.
- Your Needs. Do you need a business credit card to pay off existing debt? Do you want a credit card so your employees can purchase business-related items as part of their job? Will you be paying primarily vendors and online suppliers — or will you be using your credit card to make monthly payments on your bills?
- The Likely Users of the Credit Account. Carefully consider how many people will need to have access to the credit account. You may want multiple cards in the business name for the entire team, or just or two managers.
- Your Business. Different organizations have different needs. If you are a small two-person operation, your credit limits and needs will be very different from those of a multi-million-dollar firm.
At Centric Bank, we’re always happy to help you if you have questions about business credit cards, credit lines or any type of business financing. No matter what your industry and no matter the size of your business, we work to help you enjoy the financial products you need to succeed. Contact us today to find out about our exciting business credit card options.
1 - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
3 - Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
4 - The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6 - Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.