Make business owner looks at a business credit card while making a purchase over a mobile device

Business Credit Cards

Make your business purchases work for you! Using a credit card for your business needs is a way to earn more on purchases you were already making. Select the best business cards for your needs: cashback credit card, reward credit card, or a regular business credit card. You'll find the one that will work best for your business.









Discover the Right Card For Your Business

Red squiggle line.
Choosing the right business credit card is easier than ever.


Featured Card

Business Card
Business Ultimate Mastercard Capital Credit Union Credit Card
Purchasing power.
  • Save on interest with a great low introductory rate for an extended time.
  • Use for large purchases, unexpected expenses or last minute necessities.
  • Pay down your other high-rate credit card balances faster.
  • Easily manage employee spending with employee cards.
  • Non-Rewards. 

Learn More and Apply

Featured Card
 
Smart Business Rewards Card1
Business Classic Capital Credit Union Credit Card
Automatic max rewards.
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening. That's up to a $200 value.3
    OR
  • Redeem points3 for your choice of cash back, gift cards, merchandise and travel
  • 5X points on prepaid hotels and car rentals booked directly in the Rewards Center8


Learn More and Apply


Featured Card

Business Cash Preferred Card
Capital Business Credit Card
Triple cash back.
  • Redeem cash back7 as a statement credit, rewards card, or as a deposit to a qualifying account
  • 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less),** cell phone service providers, office supply stores and dining, including takeout and food delivery service purchases5
  • 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center2
Featured Card
 
Business Real Rewards Card
Capital Business Credit Card
Simple, easy rewards.
  • Redeem points3 for your choice of cash back, gift cards, merchandise and travel
  • 5.5X points on prepaid hotels and car rentals booked directly in the Rewards Center1


Learn More and Apply




Explore our personal credit card options.



















































Card Member Services:

800-558-3424
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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.1 In addition, you will earn 4 Points (5.5 Points total) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Rewards Center

2 In addition, you will earn four percent (total of 5%) cash back for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Rewards Center3 Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

4 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.

5 IMPORTANT CHANGE: Effective April 22, 2025, you will earn three percent (3%) cash back for every $1 in eligible net purchases at dining, including restaurants/restaurant delivery, gas stations and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores, cell phone service providers.
6 Business 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).
Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

7 Cash back minimum redemption amounts, and redemption values may vary and are subject to change without notice.
8 In addition, you will earn 4 Points (5 Points total) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Rewards Center
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
**Excludes discount stores/supercenters and wholesale clubs
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.