Business Stages
Supporting your business

Whether you're a startup or an established company, First American Bank is invested in your business plan.

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Card options offer everything you need, and something extra

In business, timing is critical. A First American Bank Visa® Business Credit Card can help you make quick supply purchases, cover equipment repairs or pick up the tab for client-building lunches. Low fees and exceptional security features are a given. That leaves you free to choose a card that keeps interest charges at a minimum, offers cash back for your bottom line, or earns you travel discounts and other valuable rewards.
All Purpose Rewards
Product Benefits
Visa® Business Real Rewards Card

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  • Earn 1.5 points monthly for every net $1 you spend on eligible net purchases (equal to 1.5% cash back).1
  • 2,500 bonus rewards points awarded after first purchase.2
  • Separate business expenses, manage cash-flow and track spending.
Visa® Business Rewards PLUS Card

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  • Earn 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline; earn 1.5 points for every $1 spent on all other eligible net purchases.2,3
  • 20,000 bonus rewards points after you spend $2,000 in the first 3 months.2
  • $0 introductory Annual Fee for the first year. After that, $99 Annual Fee.
  • Separate business expenses, manage cash-flow and track spending.
Cash Back Rewards
Product Benefits
Visa® Business Cash Card

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  • Earn 3% cash back4 on all eligible net purchases from office supply stores, and phone, internet, and cable TV services.5, 6
  • Earn 2% cash back on eligible restaurant and gas station net purchases, and 1% cash back on all other eligible net purchases.4
  • $25 cash back after your first purchase.2
  • Separate business expenses, manage cash-flow and track spending.
Enjoy A Longer Intro Rate
Product Benefits
Visa® Business Card

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  • Extended introductory offer.
  • Save on interest and pay down your other credit card balances faster.
  • Separate business expenses, manage cash-flow and track spending.
  • Product is not available online. Visit one of our locations to apply.
Increase efficiency and control 

More than ever, organizations are focusing on minimizing costs and maximizing performance. The One Card combines corporate travel, purchasing and fleet card programs into a single streamlined payment solution. The One Card integrates transactions with one process, one staff, one card issuer and one invoice. Plus, it provides your organization with access to business travel, procurement and fleet benefits that make doing business safer, easier and more rewarding.

For more information, contact our Treasury Management group at (847) 952-3700.

Visa Company Card

Minimum Requirements
  • Company must be incorporated, LLC, LP, or LLP
  • 2 years of 3rd party prepared financials
  • Minimum annual net sales of $5 million each of the previous two years
  • Balance must be paid in full each month
Corporate liability
  • No personal guarantee needed
No Annual Fee
Spend limit:
  • $25,000–$250,000
Business Account Representative (BAR)
  • Single point-of-contact to assist with any account changes or questions
Optional Rewards Program ($99 annual fee)
  • 1 point per eligible net dollar purchased (no cap)
  • Redeem for unlimited 1% cash back, travel, merchandise, and gift certificates
  • No foreign transaction or over limit fees
  • Annual fee is per account, not per card

For more information, contact our Treasury Management group at (847) 952-3700.

Disclosures

1Real 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.

2First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your Account.

3Rewards 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.

4Reward 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.

5The 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).

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