Business Credit Card Rewards

*Coronavirus pandemic: If you or your business are facing financial hardship, we are here for you. Visit our resources page to find relief options for our business members during this time.


Business Credit Card
Earn cash back at any time, no limits!

Purchase Rate: 10.99% - 13.99% (for purchases and balance  transfers)*
or 12.99% - 15.99% (for cash advances)


Exciting news for your business! You can now redeem your Business Visa Rewards points for cash back to your savings or checking account. 

In addition to great rewards options like travel, merchandise, and gift cards, the new cash back option gives you the ultimate flexibility to choose how you want to spend your points. Here's how the cash back option works:

When you hit: You can redeem for:
2,500 points $25 cash back
5,000 points $50 cash back
7,500 points $75 cash back
10,000 points $100 cash back

No limits! Your points can be redeemed at any time - whatever is convenient for you and your business! Cash back credits will be posted to your account within 8 days.

Where do I go to redeem? Great question!

First, please visit the Dreampoints website.

If you have login credentials, click Username to sign in. If you don’t have login credentials, click Register to sign up.

Enter your password to sign in. Don’t forget to  check “I’m not a robot”.

Select “Browse rewards” at the top for a dropdown box. Click “Cash back” to proceed.

Fill out the cash back amount you want to receive, as well as your bank account number. Click “Next” and you’re done!


Please note it takes up to 8 days for the cash to post into your account.

You can save a step or two by signing into OnlineAccess and clicking on your credit card account, which will take you directly into Dreampoints.

Eager to start earning?

Start building your points up by using your Business Visa today! Don't have a Business Visa? Simply, fill out the application here and email it to or call us at 800-325-9905 ext. 4845.


*APY=Annual Percentage Rate. Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal.  The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.