Apply for a Business Credit Card | First Bank

About 67 percent of small business owners currently have business credit cards, and 31 percent said they used cards to meet their capital needs in the past 12 months.

Forbes

Why First Bank for Business Credit Cards

You want to earn rewards every month and not be concerned about what categories your credit cards points come from. Every dollar you save is a dollar that falls to your bottom line. With the new Visa Signature® Business Rewards credit card¹ you will earn two times points for the top two spend categories each month. That is a smart business move.

First Bank Visa Signature® Business Rewards credit card

Earn 2X Points per dollar on purchases in the top two merchant categories each month and 1 Point per dollar on purchases everywhere else Visa is accepted.²
No limits, no offers to activate and no categories to remember.
Online reward redemption available 24/7, 365 days a year.
The Visa Signature Business Rewards credit card¹ puts you in the driver’s seat of your rewards.

Introductory offers

Introductory Purchase APR of 0% for the first 9 months.³
Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points.⁴

Other details

No annual fee
Competitive purchase APR
Consolidated and individual card billing options
Fraud protection and individual card limits

This card is equipped to handle all your mobile wallets, too!*

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Apply or upgrade today

Start your application now and a First Bank representative will be in touch soon.

If you are looking to upgrade your existing First Bank Business credit card to the Visa Signature® Business Rewards credit card, please connect with a Branch Manager.

Together, Let’s Make Great Things Happen

Partnering with businesses to make great things happen is the most significant way we give back to our communities. Meet the First Bank team helping businesses thrive in Carmi, Grayville, Lawrenceville and Mount Carmel in Illinois, and Evansville, Haubstadt, Mount Vernon, Poseyville, Princeton and Vincennes in Indiana.

Disclosure

Cards issued by UMB Bank, n.a.
1. Subject to credit approval. Rates and fees subject to change.
2. The Program Member's Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.
3. APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 15.99% (quote based on the Prime Rate in effect as of April 1, 2022).
4. Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member's Control Account, or by an individual Cardholder's Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from "Purchases" and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees.

*The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.