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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.


Existing Business Customer Login


Visa® Business Cash Card

  • 3% cashback on all net purchases from office supply stores and cellular phone, landline, internet and cable TV services. 1
  • 2% cashback on restaurant and gasoline net purchases.
  • 1% cashback on all other net purchases.
  • No caps or limits on the cashback you can earn, and you have five years to redeem for cash back. 1
  • $25 cash back bonus after first purchase. 2

Learn about Business Cash Card


Visa® Business Bonus Rewards Card

  • $25 cash back with your first purchase. 4
  • There are no caps or limit to the amount of points you can earn. 5
  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically. 6

Learn about Business Bonus Rewards Card


Visa® Business Bonus Rewards PLUS Card

  • $50 cashback with your first purchase 4
  • There are no caps or limit to the amount of points you can earn 5
  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that's equivalent to 1.5 points) on all points earned every month, automatically. 7
  • $50 annual fee

Learn about Business Bonus Rewards Plus



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 “Cash Back rewards” are the rewards you earn under the program, Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 1 point. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not eligible. You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) 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, land line, 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 and restaurants. The number of additional Points earned on office supplies, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited. The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned.

2 Reward Points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

3 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.

4 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle.

5 The Elan Rewards Program is subject to change. Points earned on net purchases (purchases minus credits and returns). Points expire five years from the end of the quarter in which they are earned.

6 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25%).

7 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.5) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50%).


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