Someone holding a credit card

Business Credit Card

Power your business with a credit card that helps manage cash flow and track spending. Fuel your growth with every transaction.

Visa® Business Platinum Rewards

Business expenses can be rewarding. Earn 1.5 points for every dollar spent. Get cash back you can use to reinvest in your business. Redeem unlimited rewards points for cash, gift cards, fuel redemption, travel, and more. 

  • Intro Rate Purchases: 0% APR* for first 12 months
  • Standard Rate: 17.70% - 22.70% variable APR*
  • Bonus Rewards: 10,000 bonus points when you spend $1,500 or 5,000 bonus points when you spend $750 in the first 90 days*
  • Balance transfer fee of $10 or 3% of the balance transfer
  • Credit lines up to $25,000

Apply for a Business Platinum Rewards Card

Already applied? Click here to check the status of your loan application.  

Earn Points All Year long

Use your St. Mary’s Visa® Platinum Rewards, or Platinum Business Rewards credit card to automatically earn three points on popular categories throughout the year and 1.5 points on all other purchases**.

Learn More

Need to chat? Call our Credit Card Redemption Center at (800) 816-3923 - available 24/7 (except Thanksgiving and Christmas).

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January - April

Dining

  • Restaurants
  • Diners
  • Fast Food/Quick Service Establishments 
Blue gas inside of gas tank of red car.

May - August

Gas

Double points on every gas station and fuel purchase. A great time to rack up your points during the high travel months.

Fruits and vegetables in two brown paper bags.

September - December

Groceries

  • Grocery Stores, Supermarkets
  • Convenience and Specialty Food Markets
  • Bakeries and Bagel Shops
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Get to Know our Premium Business Savings Options

  • Low fees
  • Free online banking
  • 30,000+ fee-free CO-OP/SUM ATM locations
Learn More

DISCLOSURES:
Account opening disclosures:
Visa® Credit Card Application Solicitation & Disclosure
Rewards Terms and Conditions

*Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change. Annual Percentage Rate (APR) accurate as of 10/30/25. After the introductory billing cycles, the APR for purchases will be a variable 17.70% APR to 22.70% APR, based on your credit worthiness. Minimum Balance Transfer of $250. Other fees include: Late Payment Fee $25 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment; Balance Transfer Fee is $10 or 3.00% of the amount of each balance transfer, whichever is greater; Cash Advance Fee $10 or 4.00% of the amount of each cash advance, whichever is greater; Foreign Transaction fee is 1.00% of each transaction in U.S. dollars; Pay by Phone With a Live Representative Fee $15; Rush Card Fee $40. 

Cardholder will earn 10,000 bonus points for spending $1,500 within 90 days of account opening, or earn 5,000 bonus points for spending $750 within 90 days of account opening, for qualified transactions made at participating merchants using their Rewards Card.

**Exclusions may apply. Primary St. Mary's Bank Visa Platinum Rewards and Business Platinum Rewards Credit Card accounts are automatically enrolled to earn double points on each dollar spent on qualified purchases up to $2,000. Double points will be calculated and posted at the end of the transaction day.

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