From startups to established companies, business credit cards can provide many benefits to any company, from building business credit to normalizing your company’s cash flow and earning rewards.

Business credit cards offer companies the flexibility to pay for purchases without the hassle of writing checks or having funds immediately on hand. The benefit to establishing credit for your business is to create a credit history, which assists you if you need to apply for financing in the future.

A credit card for your business can be an easier way to make payments, build business credit and even offer rewards.

So, what do you want most from your credit card? Reward points? Cash back? An extended introductory offer? Well you are in luck! Now you have the choice with Bank Midwest’s VISA and American Express credit card solutions.

Whether you want to enjoy points or cash back, our credit cards give you the flexibility to choose how you want to be rewarded. Choose from:

Type of Account

Visa Business Cash2,3

Apply for a card today!
Account Details
What is included:
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    No caps or limits on points
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    Five year retention on points
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Plus you'll enjoy:
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    $25 cash back after your first purchase1
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    3% cash back on office supply, cell phone, landline, internet, and cable service purchases4
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    2% cash back on restaurant and gas station purchases4
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    1% cash back on all other eligible net purchases4
Type of Account

Visa Business Real Rewards2,5

Apply for a card today!
Account Details
What is included:
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    1.5 points back for every $1 you spend on eligible net purchases
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    No caps or limits on points
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    Five year retention on points
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Plus you'll enjoy:
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    2,500 bonus reward points after first purchase1
Type of Account

Visa Business Rewards Plus2,6

Apply for a card today!
Account Details
What is included:
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    No caps or limits on points
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    Five year retention on points
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Plus you'll enjoy:
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    20,000 bonus points after you spend $2,000 in the first 3 months1
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    3 points for every $1 spent on airline, cell phone, or hotel purchases4
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    1.5 points for every $1 spent on all other eligible net purchases4
Type of Account
Account Details
What is included:
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    Low introductory rate for an extended time
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Plus you'll enjoy:
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    The ability to pay down other balances
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    Saving on interest

1Bonus 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.

2Reward 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.

3Cash 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.

4The 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).

5Real 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 earned.

6Rewards 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 separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.