AZ Business Credit Cards

Business Card – Standard Card

Features

• No annual fee.
• Competitive ongoing APR.¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Car rental insurance coverage and a host of extraordinary Mastercard benefits.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

 

Business Card – Preferred Points Rewards Card

Features

• Earn one reward point for each dollar spent, up to 10,000 points per month.
• Low annual fee of $49.00 per account.
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual billing option only.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.

• Online account information available 24/7 at www.cardaccount.net.
• Car rental insurance coverage and a host of extraordinary Mastercard benefits.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

 

To Apply Now

• Download the PDF of the application. Business Credit Card Application
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
• Supporting documents vary depending on the type of business you have. See chart below.
• Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

¹Please see application for information about current APRs and fees.

Extraordinary Mastercard^® BusinessCard benefits include:

• Car Rental Insurance
• ID Theft Protection
• Global Service
• Mobile Receipt Management
• Easy Savings

Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit card.

So how do you choose a new business credit card?

Taking time to evaluate why you need a business credit card for your Arizona business and how that credit might be used is an excellent place to begin.

Comparing total cost of having the card is also essential. For example, an ability to earn rewards or cash back might seem valuable initially, but not if the interest rate is excessive compared to another card. An annual fee also might not be a bad thing, if it’s balanced with improved benefits and a lower interest rate. Considering the total costs can quickly determine the right fit.

A few other details are also important to understand. Many don’t realize that consumer protections don’t apply to business credit cards, which is a great reason to be sure to avoid personal spending on the business credit card.

It also might have some sort of personal guarantee of payment. If you provide employees with credit cards and their own spending limits, you might be responsible personally for paying off the balances they incur with your own funds if the business cannot.

It’s often helpful to speak with your banker before deciding, just to be sure you chose the right business credit card for your needs. Ask us today for some no-obligation tips!