Business Credit Cards 

Power in your hands.

Streamline your business expenses with flexible credit solutions designed for entrepreneurs and growing companies. Earn rewards on everyday purchases, separate personal and business spending, and build your business credit history.

Visa® Business Zero+ Card

Jumpstart with a low introductory APR

The Business ZERO+ Card gives your business room to manage purchases while earning valuable benefits along the way. With an introductory 0% APR period and rewards designed to support everyday business spending, it’s a smart option for managing cash flow and larger expenses.

0% introductory APR on purchases for the first 18 billing cycles*
Earn cash back on eligible prepaid travel booked through the Rewards Center
Annual statement credit when qualifying spending thresholds are met*
$0 ExtendPay® Plan each year to help manage larger purchases over time*
No annual fee

Apply Now

Visa® Business Real Rewards

Rewards that work for your business

The Business Real Rewards Card lets your business earn value on every eligible purchase. With reward points that have no earning caps and flexible ways to redeem, it’s a solid choice if you want to get more out of everyday spending.

Earn rewards on everyday business purchases
Redeem rewards your way, including statement credits and other options*
Track spending easily with detailed reporting and online account management
No annual fee

Apply Now

Visa® Business Cash Preferred

Cash back for your everyday expenses

Maximize what you earn on business purchases with the Business Cash Preferred Card. This card lets you earn cash back on eligible categories that matter to your business while keeping fees predictable.

Cash back on eligible purchases, including gas, office supply stores, and more*
1% cash back on other purchases*
No annual fee

Apply Now

Visa® Smart Business Rewards

Rewards that grow with your business

The Business Smart Rewards Card offers strong rewards on the spending categories that matter most to your business, plus flexible ways to redeem your points. With a rewards structure that adapts to how you spend, this card helps your business get more value from everyday purchases.

Bonus rewards on select business purchases*
Earn points on everyday spending with elevated earning opportunities*
Flexible redemption options for cash back, statement credits, and more
Annual fee waived the first year*

Apply Now

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disclosures

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Business Zero+ Card: You will earn 5% Cash Rewards on eligible Net Purchases for prepaid airfare, car rental, attraction and hotel reservations booked directly in the Rewards Center using your Business Zero+ credit card. Net Purchases are purchases minus credits and returns. The account must be open and in good standing (not past due or overlimit) to earn and redeem Cash Rewards and benefits. Cash Rewards expire 5 years from when they are earned, refer to your Program Rules for full details. An automatic statement credit of $50 per card per 12-month period will be applied to your Business Zero+ Account within 1-2 statement billing cycles following $5,000 in travel purchased through the Rewards Center with each eligible card, if the Account is in good standing (not past due or overlimit). This $50 statement credit benefit is available for each card that is issued and makes the required purchases. We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits. Certain terms, conditions and exclusions apply. Visa Zero+ Business Card: In order for coverage to apply, you must pay your monthly cellular wireless bill with your Zero+ Business Card. Mastercard Zero+ Business Card: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Please view the Guide to Benefits (Visa Zero+ Business Card - mycardgtb.com/vbizzero; Mastercard Zero+ Business Card - mycardgtb.com/bizmczero) for further card benefit details including full terms and conditions. Account must be in good standing (not past due or overlimit) and meet eligibility requirements to receive the 3-month Card ExtendPay plan special offer each calendar year. If eligible, this offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly, and this offer can only be used once per calendar year. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for Card ExtendPay plans. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.
Business Real Rewards: First purchase bonus will be applied 6 to 8 weeks after first purchase and is not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases. You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.
Business Cash Preferred: First purchase bonus will be applied 6 to 8 weeks after first purchase and is not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases. You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as electric vehicle charging or gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other eligible net purchases will earn 1% cash back. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal. Purchases qualify for cash back based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.
Smart Business Rewards: If you’re approved for a new Smart Business Rewards Card, a one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval. You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories (“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Business Credit Cards

Power in your hands.

Visa® Business Zero+ Card

Jumpstart with a low introductory APR

Visa® Business Real Rewards

Rewards that work for your business

Visa® Business Cash Preferred

Cash back for your everyday expenses

Visa® Smart Business Rewards

Rewards that grow with your business

Equip yourself with a Commercial Loan

Cash Management

Power up your process.

One App is all you need!

Knowledge is Your Best Protection

Write Checks Safely

We’re here to help.

disclosures

You are leaving Bay State Bank's website to visit a third party website.

Business Credit Cards 

One App is
all you need!