Small Business Credit Card | Standard Trust Credit Union

Standard Trust Credit Union
Small Business Credit Card

Earn rewards that allow you to spend where your business needs it most such as office supply stores, gas stations, and restaurants - with no annual fee.

Card Benefits:

0% APR
for the first 12 billing cycles on purchases and balance transfers. 14.25% APR after intro period1

Cash Back Rewards at Office Supply Stores
for your first $10,000 in net spend annually2

Cash Back Rewards Gas and Restaurants
for your first $20,000 combined net spend annually2

Cash Back Rewards
on all other qualifying purchases2

No Annual Fee

Contact a Business Banker or visit a local banking center to get started.

Find a Banker

1Pricing and Terms

Cash Back Rewards Example Table

View your statement Rewards redemption center

Improve cash flow with the card that’s built for better business 

Our small business credit card helps you strike the perfect balance between growing your business and maintaining an optimal level of working capital. Take advantage of vendor early payment terms without negatively impacting your current cash flow. Pay your vendors with a small business credit card and extend your accounts payable cycle without incurring interest expense when you pay your balance in full.

Superior Card Management

Access your small business credit card account information easily and securely online at no cost to you. At, you can securely view your card account summary, including the balance, credit line, payment due, and more.

Card Management also allows you to view current and historical transaction activity, view up to 24-months of eStatements, download account data into Quicken® or Microsoft Money® accounting software, make payments, initiate card disputes, and receive alerts on balance transaction and payment events.

Visa SavingsEdge® Discount Program

This service provides enrolled cardholders automatic discounts on qualifying purchases at participating merchants. Discounts require no coupons or codes. Qualifying purchases at participating merchants earn credits that are applied directly to your card statement. Includes the Visa SavingsEdge® mobile app to find savings near you. Learn more at




2Cash Back Rewards are the rewards earned under the program. They are tracked as points and for each $1 spent on a purchase, 1 Cash Back Reward point is earned, which qualifies for $0.01 for redemption. You earn Cash Back Rewards on all qualifying purchases. The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments. You may review the full Terms and Conditions of the Cash Back Rewards program here:

Credit cards are issued and serviced by Standard Trust Credit Union d/b/a HTLF Card Services. Normal Underwriting guidelines apply.