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

Free online expense management tools
No fee for additional employee cards
EMV smart chip technology and mobile payment capability
Zero fraud liability*
Cardmember service available 24/7

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


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).

*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.

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.

3The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.

4 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.

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 earned.

6 You will earn 1 Point for each dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories (“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. Points expire five years from the end of the quarter in which they are earned.

7 A one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.

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