Business Credit Card

A Visa® Gold Business Credit Card is an ideal way to manage everyday business purchases.

Visa® Gold Business Credit Card

  • Low annual fee
  • 25-day interest-free purchase grace period
  • Travel accident insurance up to $400,000
  • Exclusive Visa® Gold Benefits
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver Program
  • Fraud protection with Visa®’s Zero Liability Policy

Why Get a Business Credit Card?

No matter the size of your business, keeping finances separate from your personal accounts is key. Some benefits of a business credit card include:

  • Keep business charges off your personal credit report
  • Keep expenses separate
  • Make tax expenses easier to find in one place
  • Establish business credit history
  • Favorable rates

How to Qualify for a Business Credit Card

  • Have a qualifying business
  • Follow the application process which may include business and personal info like birthdates, social security numbers, financial statements and more

What’s the Difference Between a Small Business Credit Card and a Personal Credit Card?

There are a number of distinctions between a small business credit card and a personal card.

  • More spending power and potentially a higher credit limit. This is because limits are determined by both personal capital and business capital.
  • Bonus categories may differ. While cashback on spending in certain categories may be common on personal credit cards, they may not be as common on business cards.
  • Bookkeeping benefits. When it comes time to do taxes, you may find having all your business expenses on one statement is beneficial.

Learn more about the difference between these credit cards with our infographic.

Why Choose Arizona Central Credit Union for Business Banking?

Arizona Central Credit Union has been providing Arizona families in Phoenix and beyond with loans and other financial services since 1939. Whether you already have an account or are just looking for banking for your business, Arizona Central, Arizona’s leading local credit union, will be here to safeguard you and help you achieve your goal of financial freedom.

Arizona Central Credit Union has 9 branches throughout Arizona, including Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson and Show Low. Members have access to 30,000+ surcharge-free ATMs nationwide through the CO-OP ATM network. Arizona Central makes banking accessible & rewarding for all AZ communities.

Business Credit Card FAQs

As a small business, eligibility for a business credit card can depend on the business-owner’s personal credit score.

As an employee, acquiring a business credit card will depend on the decision of your employer and will require an Employer Identification Number (EIN) to apply.

Late payments or failure to make a business credit card payment can negatively impact the business owner’s personal credit score.

Deep Roots, Strong Community:

Credit Card Options

Personal Credit Cards

We offer high value, low rate Visa® credit cards designed to not only save you money, but to carry balances responsibly.

Business Credit Card

A Visa® Gold Business Credit Card is an ideal way to manage everyday business purchases

Balance Transfer

Our no-fee balance transfers may help you save money by using your Arizona Central Visa® Credit Card to pay off your higher interest cards.