Credit Cards & Rewards

From startups to established companies, business credit cards can provide many benefits to any company, from building business credit to normalizing your company’s cash flow and earning rewards.

Business credit cards offer companies the flexibility to pay for purchases without the hassle of writing checks or having funds immediately on hand. The benefit to establishing credit for your business is to create a credit history, which assists you if you need to apply for financing in the future.

A credit card for your business can be an easier way to make payments, build business credit and even offer rewards.

So, what do you want most from your credit card? Reward points? Cash back? An extended introductory offer? Well you are in luck! Now you have the choice with Hillcrest Bank’s VISA and American Express credit card solutions.

Whether you want to enjoy points or cash back, our credit cards give you the flexibility to choose how you want to be rewarded. Choose from:

¹Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

²Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

³Cash Rewards: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point earned is equal to $0.01 when redeemed. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will earn additional Points as follows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as automated fuel dispensers and service stations or restaurants (1 additional Point); and office supply stores or cellular phone, landline, internet and cable TV services (2 additional Points). Office furniture stores, direct marketing services and printing services may not qualify as office supply stores. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

⁴The 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 Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

⁵Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

⁶Smart 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. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. Points expire five years from the end of the quarter in which they are earned.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.