Business Credit Cards

Business Credit Cards That Mean Business

Cards with low interest, high expectations and cash back for good measure.

Small business, huge business, new business, start-ups or third generation; it doesn’t
matter, IncredibleBank has the business credit cards you need. Of course, our low-
interest credit cards are of high demand, and so are our cash-back business credit cards,
but in the end, what matters most is that you deserve a business credit card that’s just
like you, incredible.

Choosing the right business card is easier than ever.

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, you'll enjoy important features like:
  • Expense management tools
  • No fee for additional employee cards
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

Choose the credit card with the features you want.


Visa® Business Visa® Business Real Rewards Visa® Business Cash Preferred Smart Business Rewards Visa® Visa® Community Card
3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases8

2X points in your top two spend categories, automatically8

1 point/1% per $1 on all other eligible purchases

1.5 points/1.5% per $1 on all purchases

$100 annual statement credit after 11 consecutive monthly software transactions


Cash Back

Merchandise and Gift Cards



Doesn’t have a personal guarantee to the officer

Enjoy peace of mind with zero fraud liability9,and auto rental collision damage waiver10 and 24/7 live US-based customer service
Free employee cards
Online management reporting tool helps you stay on top of your business credit card spending

Visa® Business
Visa® Business Real Rewards
Visa® Business Cash Preferred
Smart Business Rewards Visa®
Visa® Community Card

My incredible? 

A good crowd, a fine bourbon and my guitar. 

Peter Nomm pours everything into his pours. Vodka, Bourbon, Gin and Moonshine. Yes, Moonshine. Northern Waters only distills the highest quality spirits. It’s the only way they’ll play it. Except at the end of the day when it’s really time to play.  

Northern Water Distillery, IncredibleBank Customer

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points expire five years from the end of the quarter in which they are earned.

1Business Real Rewards Card: 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.
2Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.
3Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash 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 or as a Rewards Card ($25 minimum redemption).
4Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cellphone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you check out with PayPal.
5Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
6Smart Business Rewards Card: 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 to see the full list of eligible merchant categories.
7If you’re approved for a new Smart Business Rewards Card, 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.
8Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.
9Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
10Certain terms, conditions and exclusions apply. Please refer to your guide to benefits that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.©2021 Elan Financial Services