Business Credit Card
Enjoy Flexible Credit Card Options, with Local Service
Your business credit needs can change in an instant. Be ready for anything with commercial credit card options from your local Idaho First Bank branch.
Separate business expenses, manage cash flow and track spending with any of our commercial credit cards. One of our local decision makers can help you select and manage the credit card options that make the most sense for your business.
Visa® Business Cash Card
phone and TV services2,4
• 2% cash back on eligible restaurant and gasoline net purchases
• 1% cash back on all other eligible net purchases
• $25 cash back awarded after first purchase3
Visa® Business Real Bonus Rewards Card
purchases (equal to 1.5% cash back)5
• No cap or limit on the number of points you can earn, and you
have five years to redeem for rewards4
• 2,500 bonus rewards points awarded after first purchase3
Visa® Business Bonus Rewards PLUS Card
cellular phone service, hotel, or airline6
• Earn 1.5 points monthly for every $1 you spend on eligible
• Plus, earn 20,000 one-time bonus rewards points after you
spend $2,000 in the first 3 months3
• No cap or limit on the total cash back you can earn, and you
have five years to redeem for rewards4
Visa® Business Platinum Card
low introductory rate for an extended time
• Save on interest
Contact your local business credit decision maker today.
*The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply your payments to balances with lower APRs first. Balance transfer fees will apply.
Subject to credit approval. The creditor, issuer and service provider of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card
account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in
Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn
1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points
(for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the
merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total
of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the
following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points
expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time
bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
4 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).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to
1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of
eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone
services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in
the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
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