Business Rewards Credit Card

Turn your business purchases into rewards points with a Business Rewards Credit Card and make your business even more rewarding

apply today

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Small business owner looking confident after placing a online order with her Civic Business Rewards Credit Card.

Earn

Get 1% back in rewards points¹on purchases

Controls

Manage employee cards with permission settings

Save

No annual, application or transfer fees²

Charge up your business

Your business credit card is important to get the equipment, supplies, and services you need. This rewards card for small businesses has flexible spending limits and ways to earn 1% back in rewards points on your purchases that can help stretch your budget. Your rewards points from purchases with the Civic Business Rewards Credit Card are applied monthly as statement credits.

As a business owner, you can manage and control employee cards with permissions like merchant-based controls, spending alerts and more. And all Business Rewards Credit Card holders get a range of Visa® perks³ such as discounted services, emergency Roadside Dispatch and more.

Whether you have a small business with an LLC or a larger company, take a closer look at the Civic Business Rewards Credit Card and charge up your business.

Owner of a woodworking studio smiling after checking on his rewards in the Civic mobile app.

Terms

Flexible spending limits from $1,000 to $30,000
1% back on your purchases, in rewards points
For an established business entity (2+ years)
Use anywhere Visa® is accepted

Features

Real-time spending and location-based alerts
No application or annual fees
No transfer fees
No cash advance fees

Ready to get rewarded?

Apply today for a Business Rewards Credit Card and charge up your business

apply today

Life is digital

So are these everyday financial tools

Civic Bonus Checking contactless payment graphic

Pay fast and secure with tap to pay or digital wallet

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

Graphic of a credit score meter to track progress.

Get up close and personal with your credit score

Business Line of Credit

On-demand business funding

Low business line of credit rates
Revolving access starts at $1,000
Maximum of $30,000 (unsecured only)
Get consistent access to funding

learn more

Small craft beer brewer taking a delivery of inventory bought with a Civic Business Term Loan.

Business Term Loans

Small Business Term Loans can help you solve your short-and long-term business financing needs with no pre-payment penalties.

Secured business term loan has minimum loan amount of $10,000
Secured loan terms range from 1 year to 10 years
Unsecured business term loan has $1,000 loan amount minimum
Unsecured business term loan terms are up to 3 years

learn more

Apply for a Business Rewards Credit Card to charge up your business

Stretch your budget with this rewards credit card for small businesses. With flexible spending limits and ways to earn 1% back in rewards points on your purchases, your business can be even more rewarding.

apply today

¹Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. Accounts eligible for this program earn 1% in rewards points for each dollar spent in qualifying new purchases, less returns. Redemption value of points may vary depending on the redemption option selected. Civic membership required to open account. See full details and exclusions for the Civic Business Rewards program.

2 Other fees may apply. Get details.

3 Provided by Visa.® No membership, pre-enrollment or annual dues required. See benefits.