Business credit cards
Business credit cards made for how you work
Choose the business credit card that fits the way you work. Our two Business Platinum Visa® options give you flexibility, competitive rates, and the choice between simple value or everyday rewards.
Business Platinum Visa® with Rewards
Collect 1 point for every $1 you spend—easy, rewarding, and designed to strengthen your business.
Business Platinum Visa®
Enjoy straightforward spending with no annual fee and a lower rate—simple, flexible, and built for everyday business needs.
Business Platinum Visa® with Rewards
When you purchase the items your business needs—whether it’s a plane ticket or more inventory—your business earns reward points that go right back to helping achieve your goals.
Earn more points
Earn 1 point for every $1 you spend. Redeem for cash, airfare, rentals and more.
Low, variable rates
Get the purchasing power you want, without hurting your profit goals.
Worldwide access
Wherever your business takes you, your OnPoint business card is always accepted.
Cash advances
Access the cash you need, right when you need it.
Compare business credit cards.
Business Platinum Visa® with Rewards
Business Platinum Visa®
Rewards
1 point for every $1 dollar you spend
NA
Annual Card Fee
$25 (for each card number issued)
No annual fee
Purchase APR
12.50% - 23.00% based on creditworthiness
11.50% - 22.00% based on creditworthiness
Balance Transfer APR
14.50% - 25.00% based on creditworthiness
13.50% - 24.00% based on creditworthiness
Cash Advance APR
14.50% - 25.00% based on creditworthiness
13.50% - 24.00% based on creditworthiness
Compare business credit cards.
Rewards
Rewards
Annual Card Fee
Annual Card Fee
Purchase APR
Purchase APR
Balance Transfer APR
Balance Transfer APR
Cash Advance APR
Cash Advance APR
Business Platinum Visa® with Rewards
Rewards
1 point for every $1 dollar you spend
Annual Card Fee
$25 (for each card number issued)
Purchase APR
12.50% - 23.00% based on creditworthiness
Balance Transfer APR
14.50% - 25.00% based on creditworthiness
Cash Advance APR
14.50% - 25.00% based on creditworthiness
Business Platinum Visa®
Rewards
NA
Annual Card Fee
No annual fee
Purchase APR
11.50% - 22.00% based on creditworthiness
Balance Transfer APR
13.50% - 24.00% based on creditworthiness
Cash Advance APR
13.50% - 24.00% based on creditworthiness
Enjoy the added flexibility and support of an OnPoint business credit card.
Zero liability1,2
If fraudulent charges are made with your card or account, we will work with you to make it right.
Freeze your card
If your card is lost or stolen, you can freeze it right from your smartphone or laptop.
24-hour support
Call 866.820.3101 to make balance transfers and ask any questions you have.
Card replacement
If your card is lost or stolen, we can help you replace it quickly.
Apply for an OnPoint Business Credit Card
Rates
Interest Rates and Charges | Annual Percentage Rate (APR)1 |
|---|---|
Rates Effective: 04-24-2026 See important information about rates and fees Learn more about business platinum Visa® with rewards1 APR will vary with the market based on the prime rate. Grace period for repayment of purchase balance: 25 days How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | |
Interest Rates and Charges Purchases | Annual Percentage Rate (APR)1 12.50% - 23.00% based on creditworthiness |
Interest Rates and Charges Balance transfers | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Interest Rates and Charges Cash advances | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Interest Rates and Charges | Annual Percentage Rate (APR)1 |
|---|---|
Rates Effective: 04-24-2026 See important information about rates and fees Learn more about business platinum Visa®Business Platinum Visa Credit Card Agreement 1 APR will vary with the market based on the prime rate. Grace period for repayment of purchase balance: 25 days How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | |
Interest Rates and Charges Purchases | Annual Percentage Rate (APR)1 11.50% - 22.00% based on creditworthiness |
Interest Rates and Charges Balance transfers | Annual Percentage Rate (APR)1 13.50% - 24.00% based on creditworthiness |
Interest Rates and Charges Cash advances | Annual Percentage Rate (APR)1 13.50% - 24.00% based on creditworthiness |
Apply for your OnPoint business credit card today.
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Find a nearby location or ATMGive us a call.
Disclosures
All terms, including APRs and fees, may change as permitted by law and the OnPoint Business Platinum Visa with Rewards Credit Card Agreement, and the Business Platinum Visa Credit Card Agreement.
- Subject to conditions in the Business Visa Credit Card Agreement.
- Subject to conditions in the Business Platinum Visa Credit Card Agreement
