Business Credit Cards
Commercial Edition^® Visa^® Card

The Commercial Edition^® Visa^® Card combines many of Visa's most powerful business payment solutions into a single, flexible card. It streamlines your finances, and you'll be able to categorize employee card use, which will give you a complete and accurate picture of spending. This card is recommended for companies with individuals who travel, entertain or are at a management level.

Features

Place electronic controls and restrictions on where and how the card can be used including merchant category group blocking, monetary transaction limits and cash access.
Competitive APR for purchases if you choose to pay over time.
No annual fee.
Online access to view transactions, pay your bill, view up to 48 prior statements for both individual cardholders and for companies with multiple cardholders.

Benefits and Services

Management Reports
With the Visa^® Business Card, your company can receive easy-to-read management reports, itemizing your employees' business expenditures. Plus, it gives you a record of tax-deductible expenses, which could help cut your payments to the IRS by hundreds of dollars. For more information, visit our Management Reports page.
Lost Luggage Insurance**
When you charge the full amount of your travel tickets to your Visa^® Business Card, you may be eligible to receive reimbursement for amounts paid for direct physical loss or damage to checked baggage for a maximum reimbursement of $3,000 per insured.
Travel Accident Insurance**
You are protected with up to $100,000.00 in travel accident insurance whenever you charge the full amount of your travel tickets to your Visa^® Business Card.
Auto Rental Collision Damage Waiver**
Whenever you need a rental car, charge the full amount to your Visa^® Business Card and receive automatic coverage from Visa. You can save up to $15 a day when you decline the rental agency's collision loss/damage waiver.
Merchant Category Codes & 1099 Reporting
Visa has published a new electronic document designed to help you understand the role of Merchant Category Codes (MCCs) in IRS Form 1099-MISC (Miscellaneous Income) reporting. The new document, entitled "Merchant Category Codes for IRS Form 1099-MISC Reporting", helps corporate and government client companies take advantage of the recently published IRS revenue procedure that allows companies to utilize the MCC to Reporting", helps corporate and government client companies take advantage of the recently published IRS revenue procedure that allows companies to utilize the MCC to determine which payment card transactions are reportable.

Within the document you will find an overview of the IRS' optional revenue procedure and several frequently asked questions. The document also includes the IRS' official MCC list showing which MCCs are reportable on Form 1099-MISC and which are not reportable. To take advantage of this useful document for 1099 reporting, click here.

We reserve the right to change the account terms should your credit profile change or for other reasons described in the Cardmember Agreement.