Business Credit Cards

At Bank of Utah, we understand that running a business means juggling various expenses and opportunities. That’s why we offer a range of credit cards designed to give you the flexibility you need.

Using a Bank of Utah credit card as your revolving line of credit, you can easily cover essential purchases, manage unexpected costs and even earn rewards that align with your business goals.

Connecting with a Bank of Utah Relationship Manager is the best way to ensure you choose the credit card that fits your business needs. They'll help guide you through the options and tailor solutions that align with your goals.

Contact a Relationship Manager

Great Features Come Standard

Enjoy 24/7 Card Services

With round-the-clock support, assistance is just a call away, whether you need to report a lost card or require immediate assistance.

Empower Your Employees

With purchasing controls and no fee¹ for additional employee cards, you provide the tools they need while setting limits.

Track Expenses Easily

With online expense reporting tools, you streamline tracking and simplify expense management.

Use Mobile Payments

With your card integrated into digital wallets, you can enjoy seamless payments from your phone or watch².

Protect Your Business

With Zero Fraud Liability³, your business is safeguarded against losses from fraudulent purchases if a card is lost or stolen.

Receive Transaction Alerts

Get real-time alerts as transactions are processed, allowing you to monitor spending and address any issues promptly.

Explore Different Types of Business Credit Cards

Overview

Introductory APR ⁴

Benefit from a lower APR during the initial period, which can help reduce interest costs while managing your business expenses.

Rewards

Earn points for every dollar spent, redeemable for travel, merchandise, or other perks that help your business grow.

Cash Back

Get a percentage of your purchases back as cash, which can be reinvested in your business or used to pay down your balance.

Good if:

Introductory APR ⁴

You need to finance a large purchase or consolidate debt for your business.

Rewards

You make frequent purchases for your business and want to earn valuable rewards.

Cash Back

You're looking to reduce costs and earn cash on everyday expenses for your business.

These are just a few examples of the types of business credit cards available. Our credit card partner, Elan, may offer additional card types and features throughout the year to suit a variety of business needs.

	Introductory APR ⁴	Rewards	Cash Back
Overview	Benefit from a lower APR during the initial period, which can help reduce interest costs while managing your business expenses.	Earn points for every dollar spent, redeemable for travel, merchandise, or other perks that help your business grow.	Get a percentage of your purchases back as cash, which can be reinvested in your business or used to pay down your balance.
Good if:	You need to finance a large purchase or consolidate debt for your business.	You make frequent purchases for your business and want to earn valuable rewards.	You're looking to reduce costs and earn cash on everyday expenses for your business.

To explore our full range of business credit cards, click "Compare and Apply" below. You'll be directed to our credit card partner Elan's⁴ website where you can easily compare features, benefits and find the perfect card for your business. Remember to select "Business" to view available options.

Compare and Apply Contact a Relationship Manager

Frequently Asked Questions

What types of businesses qualify for a business credit card?

Business credit cards are available to a wide range of business owners. This includes freelancers, sole proprietors, limited liability companies and corporations.

Who can apply for a credit card on behalf of the business?

In order to apply for a business credit card, you are required to be an “authorized officer” of a business, which means you can legally enter into contracts with financial institutions on behalf of the business. Within an organization, an "authorized officer" is typically the:

Business owner
President
Partner
Vice President
Treasurer

What do I need to apply for a business credit card?

To apply for a business credit card, you, as the business owner, need to provide several key details, typically including:

Legal structure of your business
Business industry
Legal business name
Business name (as you want it to appear on the card)
Employer Identification Number (EIN), or the primary owner's Social Security Number (SSN) or Individual Tax Identification Number (ITIN) if a single-member LLC or trust
Country where the business was formed
Year the business started
Business phone number
Relevant financial information

Why do I need a business credit card?

A business credit card offers several key benefits:

Expense Management: It helps you track and manage business expenses more effectively, providing detailed statements and spending reports.
Cash Flow Flexibility: It allows you to manage cash flow by giving you time to pay off purchases over several weeks or months, rather than requiring immediate payment.
Building Credit: Responsible use of a business credit card can help build and improve your business credit score, which is crucial for securing future financing.
Rewards and Perks: Many business credit cards offer rewards, such as cash back or points, and additional perks like purchase protection.
Separation of Expenses: It helps keep personal and business expenses separate, simplifying accounting and tax preparation.
Emergency Access: It provides a financial safety net for unexpected expenses or emergencies, ensuring your business operations can continue smoothly.

When will I receive my business credit card in the mail?

After you submit your application, the card issuer will review it. You may receive an approval decision within a few minutes or a few days. If approved, your business credit card will arrive by mail within approximately 7 to 14 business days.

How many cards is my business allowed?

Depending on your company's size and needs, it's often beneficial to provide employee credit cards. These cards authorize employees to make company-related purchases, such as office supplies or travel expenses, within approved limits. You can typically obtain as many employee cards as necessary to meet your business requirements.

Each employee will have a unique credit card account number and separate spend limit as designated by an authorized officer or representative.

Are there any additional requirements for issuing cards to individual employees?

The only requirements are the employee's name, Social Security number (SSN) and birthdate. These details are provided at the time of application or can be added later by the authorized signer by contacting Elan to request the cards.

How do I track my rewards earnings?

Accounts enrolled in the rewards program can view the Rewards Center by selecting the Rewards Link on myaccountaccess.com or through the Elan credit card mobile app.

Those enrolled in the rewards program are able to:

View the entire rewards website and learn about special points offers.
View point balances in real time.
Purchase or transfer points.
Redeem points for valuable rewards which will vary depending upon the type of rewards card you have. Some rewards options include merchandise, gift cards, travel and cash back.

How do I report a lost or stolen card?

If your business credit card is lost or stolen, it's important to act quickly. Call 1-866-552-8855 for immediate assistance. You'll be guided through the steps to report the issue, protect your account and arrange for a replacement card.