Business Credit Cards

Our business credit card comes with powerful online account management capabilities that let you oversee your business activity at a glance. It’s easy, comprehensive, and once you start using it, you’ll wonder what you ever did without it.

Great for businesses that need a convenient way to manage everyday business expenses, businesses that need to carry a balance, and normal day-to-day transactions.

Business Credit Card Features:

Improve cash flow with added buying power for your business
Tap to pay with contactless functionality, or add card to your mobile wallet for convenient, on-the-go transactions.

Make business purchases around the world anywhere Visa is accepted.

Monitor your business expenses with detailed, itemized statements.
Unlimited cardholders per account, giving your team access to necessary purchasing power.
Control and manage payments and customize alerts with easy online access through business.cardservices.bank.

Two Card Options Available:

Business Platinum

No annual fee

Platinum Cash Rewards

1% cash back* with $79 Annual Fee

Comprehensive Card Management Site

Allows for multiple roles including:
- Program Administrator to oversee the entire company
- Reporting Administrator
- Individual Cardholder access that allows cardholders to view their activity
View and download statements, view current and pending transactions with a breakdown by spend categories, and make one-time or reoccurring payments.
Manage individual cards with key features such as lock and unlock card, close card, replace damaged or lost card, set travel alerts, manage user spend limits, make a payment to an individual card to free up availability, download the individual cardholder statement, create merchant category code restrictions, and much more.

Mobile App Card Manager for 24/7 Account Access

Oversee all of your business activity at a glance
Manage payment options and transactions
Update your profile information
Set account alerts to track payments and balances
Manage your business, anytime, anywhere
Available on the App Store and in Google Play

Peace of Mind with Visa® Zero Liability

With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used.

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Learn more at: Visa’s Zero Liability Policy | Visa

Business Platinum Guide to Benefits

For detailed information on the Visa benefits package for business credit cards, please review the Guide to Benefits Package.

Business Credit Card Terms and Conditions

Please view the current Terms and Conditions documentation within the credit card application to see full details. For the most accurate and up-to-date information, always refer to the application materials. All credit card accounts are subject to credit approval.

Annual Percentage Rate (APR)

Business Platinum: APR is the Wall Street Prime Rate + 10.00%.

Business Platinum Cash Back Rewards: APR is the Wall Street Prime Rate + 8.00%.

The APR will vary based on changes in the Prime Rate published in The Wall Street Journal. For current rates, please see the terms and conditions documentation provided with the credit card application. The APR for purchases may change based on creditworthiness.

Grace Period:

The due date is at least 25 days after the close of each billing cycle.
Interest will not be charged on purchases if the entire balance is paid by the due date each month.

Fees:

Annual Fee:

Business Platinum: $0
Business Platinum Cash Back Rewards: $79

Penalty Fees:

Late Payment Fee: Up to $25
Returned Payment Fee: Up to $25

Transaction Fees:

Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $5 or 3% of the amount of each advance, whichever is greater.
Foreign Transaction: 2% of each transaction in U.S. dollars.

Customer Assistance:

While Oregon Pacific Bank assists with your credit card application, the card itself is issued and managed by ServisFirst Bank. All inquiries regarding customer support, billing, and online management will be handled by ServisFirst Bank.

Cardholders can call 1-888-999-3340 for assistance with their accounts.

Payment Options:

Online Payments: One-time or automatic payments can be made by customers registered with their respective online management sites.
Automatic Payments: Can be set up using the auto-pay form provided.
Mail-in Payments: Payments can be made by check and mailed to:
Card Services
PO Box 2711
Omaha, NE 68103-2711
Phone Payments: Payments can be made free of charge by calling 1-888-999-3340.

Ready to get started?

*1% cash back applies only to qualifying purchases, up to $100,000 annually. Certain transactions, such as cash advances, balance transfers, and fees, do not qualify for cash back rewards. Please refer to the cardholder agreement for full details on qualifying purchases and exclusions.

All credit card accounts are subject to credit approval. Terms and conditions apply. Please review all product agreements and disclosures provided upon account opening, including interest rates, fees, and rewards program details.

Certain fees and charges may apply, including but not limited to late payment fees, foreign transaction fees, and cash advance fees. Interest rates and credit limits are subject to change based on creditworthiness and other factors.

Cards are issued and serviced by ServisFirst Bank. Oregon Pacific Bank facilitates the application process, while ServisFirst provides card management and customer support and can be reached at 888-999-3340. For more information on how your data is handled, please review the ServisFirst Bank Privacy Notice.