No matter which card you choose, you'll enjoy important features including:

Expense management tools
No fee for additional employee cards
EMV smart chip technology and mobile payment capability

Related topics you may be interested in:
Business Loans

Liberty Bay’s Business Banking Loans make it easy to manage your business’s cash flow and seize opportunities to thrive.

Digital Business Banking

We believe accessing your business accounts should be easy, convenient, and free. The same great tools that you use to manage your personal finances are also available for business banking.

SBA Loans

Government loan programs can seem overwhelming with all the requirements and paperwork. You may qualify for special programs based on your income, or other factors.

Affinity Program

Liberty Bay’s Affinity Program takes the “what if” out of establishing a new source of income for your organization while bringing exclusive benefits to your employees.

FA$Ttrack Financial Education

How Businesses Use Credit

No matter what stage your business is in, it’s important to be able to identify potential sources of financing should you need it. Become an informed borrower and understand the different types of business credit available and how to use them.

This lesson will help you understand:

  • What to consider when exploring different types of business credit
  • Options for short- and long-term financing
  • 5 strategies to achieve a higher credit score

Ask An Expert


1 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 earned.

2 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.

3 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).

4 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.

5 Reward points can be redeemed as a cash deposit to a checking or savings account with Liberty Bay Credit Union or as a statement credit to your credit card account within one to two billing cycles.

6 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.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.