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BUSINESS CREDIT CARDS Learn More and Apply Online

BUSINESS CREDIT CARDS FROM OLD NATIONAL

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Learn More and Apply Online

 

Business Credit Cards

A sample of a Business Cash Preferred credit card

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Business Cash Preferred Card

Triple cash back.

  • 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.1,2
  • 1% unlimited cash back on all other eligible purchases.
  • $100 annual software credit after 11 consecutive monthly software transactions.3
  • $25 cash back awarded after first purchase.4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account.

A sample of a Business credit card

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Business Card

Purchasing power.

  • Save on interest with a great low introductory rate for an extended time.
  • Use for large purchases, unexpected expenses or last-minute necessities.
  • Pay down your other high-rate credit card balances faster.
  • Easily manage employee spending with employee cards.

A sample of a Smart Business Rewards credit card

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Smart Business Rewards Card

Automatic Max Rewards.

  • 2X points per $1 spent in your top two spend categories each month—automatically.2,7
  • 1x points monthly per $1 spent on other eligible purchases.
  • 20,000 bonus rewards points (equal to $200) rewarded when you spend $500 within the first 90 days of account opening.8
  • Redeem for merchandise, gift cards, travel or cash back.6

A sample of a Business Real Rewards credit card

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Business Real Rewards Card

Simple, easy rewards.

  • 1.5X points monthly for every $1 you spend on eligible purchases (equal to 1.5% cash back).5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.
  • 2,500 bonus rewards points awarded after first purchase.4
  • Redeem for merchandise, gift cards, travel or cash back.6

Access Your Account Online
Online account access provides the quickest and easiest way to manage your business credit card:

  • View employee card transaction history
  • Make payments
  • Request additional cards
  • Set up alerts
  • View statements
  • . . . and much more

Access Your Elan Account


Haven’t got your new card? If you still have a FNBO card (it says FNBO on back), click to access your FNBO account.

LINES OF CREDIT AND TERM LOANS

If you are planning to grow your business, add a new location or expand your product lines, we can help.

See Lending Options

BUSINESS INSIGHTS

Get tips and advice on best practices for your business. Everything from ideas on managing your workforce, to how to cope with inflation.

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WEALTH MANAGEMENT

Advice and a suite of customized financial solutions to help you manage all aspects of your financial life — whether you are focused on growing wealth, maintaining the nest egg you have built, or protecting your family’s future.

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800-731-2265

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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.

1 Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal.
2 Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.
3 Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
4 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.
5 Business Real Rewards Card: You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.
6 Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).
7 Smart Business Rewards Card: You will earn 1 Point for every 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. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories.
8 If you’re approved for a new Smart Business Rewards Card, 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.

*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.

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