Business Banking

Business Credit Cards

With many options to choose from, Lake City Bank can give you the credit you need with the benefits you want. Choose from our Visa® Business cards that feature everything from impressive rewards and benefits to high credit limits and low APRs. Plus, they come with a variety of important features including EMV smart chip technology for added security, expense management tools, free employee cards and mobile purchasing for added convenience.

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Visa® Business Platinum Card

Save on interest with an extended introductory rate and pay down other credit card balances faster.

Visa® Business Cash Card

Earn cash back every time you use your card: 3% on office supply store net purchases and phone/internet services1, 2% on restaurant and gas net purchases1, and 1% on all other eligible net purchases1, plus get $25 cash back after your first purchase2.

Visa® Business Real Rewards Card

Watch your rewards add up even faster with 1.5 points for every $1 you spend on eligible net purchases3. Plus get 2500 bonus reward points awarded after your first purchase2.

Visa® Business Rewards PLUS Card

Earn 3 points on every $1 of purchases in the category you spend the most on each month (cellular phone services, hotel or airline4), and earn 1.5 points on every $1 spent on all other eligible net purchases. Plus, earn 20,000 bonus rewards points after you spend $2,000 in the first 3 months2 and enjoy no foreign transaction fees.

Visa Signature® Business Company Card
  • Ideal for mid-size incorporated companies ($1 million – $10 million annual revenue)
  • Large credit lines
  • Valuable rewards program

Contact our One Call Center at (844) 979-7164 for more information

Visa® CommUNITY Card
  • A solution for non-profits or municipalities established a minimum of 2 years
  • Streamline spending to save time and money
  • Valuable rewards program

Contact our One Call Center at (844) 979-7164 for more information

1Cash Rewards: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each $0.01 in Cash Back Rewards earned is equal to 1 point 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 also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. 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.
2Reward points can be redeemed as a cash deposit to a Lake City Bank checking or savings account only within seven business days or as a statement credit to your credit card account within one or two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. If you’re approved for a new Business Rewards PLUS, one-time bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
3Real 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.
4Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
 

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

Drop in one of our branch locations or call our One Call Center at (844) 979-7164 for more information or to apply for a credit card. Or:

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