Compare Business Credit Cards

Earn cash back and rewards while you build your business

Compare

Here's a quick glance at our business credit cards to help you decide.

Premium Rewards Visa

Rewards Visa

Cash Rewards Visa

Business Visa

Features

Unlimited earnings

Points on every purchase

Unlimited cash back

A steady, low rate

Bonus offer

50,000 bonus points after you spend $4,500 in the first 90 daysD

10,000 bonus points after you spend $3,000 in the first 90 daysD

$100 cash back after you spend $3,000 in the first 90 daysD

icon: sys-close 

How much you earn

3 points for every $1 spent on restaurants, advertising and travelD

1.5 points for every $1 spent on all other purchasesD

3 points for every $1 spent on gasD

2 points for every $1 spent at restaurants and on travelD

1 point for every $1 spent on all other purchasesD

5% cash back on utilities and wireless phonesD for the first 12 months, then 3%

2% cash back on gas and office suppliesD

1% cash back spent on all other purchasesD

icon: sys-close 

Purchase rate

18.24% to 27.24% variable APRD based on creditworthiness

16.24% to 25.24% variable APRD based on creditworthiness

16.24% to 25.24% variable APRD based on creditworthiness

14.24% to 23.24% variable APRD based on creditworthiness

Annual fee

$0 for first year, then $95D

$0

$0

$0

Foreign transaction fee

None

None

3%

3%

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Subject to credit approval.

These offers are valid on new accounts only. Royal First Bank considers the account new if opened a credit card within the last 15 months.

Bonus points for the Premium Rewards Business Visa will be awarded upon $4,500 in spend in the first 90 days after account opening. Bonus points for the Rewards Business Visa and cash back for the Cash Rewards Business Visa will be awarded upon $3,000 in spend in the first 90 days after account opening. Points and cash back will be awarded within 60 days of qualification. Limit one per company.

Purchases are defined as gross retail purchases less any returns or credits.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

APR (annual percentage rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of December 30, 2022, is 7.50% and may vary in the future. The transaction fee for cash advances is $5 or 4% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Premium Rewards) of each transaction after conversion to US dollars.

The $95 initial annual fee will be waived the first year but charged to your Premium Rewards Business Visa account every 12 months thereafter.

Links to third-party websites may have a privacy policy different from Royal First Bank and may provide less security than this website. Royal First Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by Royal First Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.