Locally-supported solutions to manage business expenditures and simplify spending.
Business Credit Cards
Why BI?
Helping businesses succeed is just one way we can achieve our mission of making a positive difference in people's lives. We truly believe that businesses can benefit from deeper banking relationships, and we want to provide you and your team with both all of the deposit and credit products you need to thrive--all delivered with our signature brand of service.
With every Bank Independent Business and Corporate credit card you'll enjoy:
- Multiple payment options including in-branch payments and servicing
- Consolidated or individual billing statements
- Individually customized employee spending limits
- Local decision-making
- 24/7 customer service and online account access
- Support from our lenders and Business Banking team
- MasterAssist travel, medical & emergency assistance
Visit a Sales Office near you to apply for any of the business, corporate and purchasing card options below.
Business Credit Cards
Enhance your business banking relationship with a Bank Independent Credit Card to amplify purchasing power and easily manage business expenditures. You'll enjoy the same great hometown service and local decision-making you've come to expect, plus the worldwide MasterCard® benefits your business needs.
Mastercard Business World Elite
Privilege. Rewards. Premier Services.
- Up to 3% cash back rewards on everyday purchases*
- Earn a $500 cash back bonus if you spend $5000 in the first 90 days**
- $95 annual fee+
- No foreign transaction fee+
+Terms and Conditions
Rewards Terms and Conditions
Subject to credit approval. New Business Cardmembers only. Advertised offers subject to change without notice.
*We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.
**Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.
If you do not meet our criteria for this card, you may be considered for the Mastercard Platinum Rewards card. Mastercard is a registered trademark of Mastercard International Incorporated.
Mastercard Business Low Rate Platinum
Simplify your finances by consolidating your balances at a low APR
- Low APR of 11.49%+ is designed for clients who frequently carry a balance from month to month.
- $99 Annual Fee+
- No balance transfer fee+for balances transferred during the first six months. Afterwards take advantage of a low 1% fee or $10, whichever is greater + on all balance transfers.
- Mastercard Benefits like Zero Liability Protection, ID Theft Resolution services, Mastercard Global Emergency Services and MasterRental Coverage on rental cars
+Terms and Conditions
+A balance transfer fee of either $10 or 1% of the amount of each transfer, whichever is greater, will apply to each balance transfer. Balance transfers subject to available credit.
Subject to credit approval. New Business Cardmembers only. Advertised offers subject to change without notice.
Mastercard Business Platinum
Optimize Capital. Organize Expenses. Enhance your Business.
- Take advantage of a lower APR with no annual fee.+ Enjoy lower monthly payments if you carry a balance from month to month.
- Introductory offer: 0% APR+ on Purchases and Balance Transfers for 6 months. After that, the variable APR will be 14.24% to 22.24%+ based on creditworthiness. A Balance Transfer Fee+ of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.
- Mastercard Benefits like Zero Liability Protection, ID Theft Resolution services, Mastercard Easy Savings® and MasterRental Coverage on rental cars
+Terms and Conditions
+A balance transfer fee of either $10 or 3% of the amount of each transfer, whichever is greater, will apply to each balance transfer. Balance transfers subject to available credit.
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
Mastercard Business Platinum Rewards
Manage Spending. Protect Capital. Earn Rewards++.
- Earn 1% cash back for everyday purchases that can be used for statement credits or a direct deposit into your checking account+.
- Mastercard Benefits like Zero Liability Protection, ID Theft Resolution services, Mastercard Easy Savings®and MasterRental Coverage on rental cars
- Choose individual cardholder or consolidated billing
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
Corporate Credit Cards
Designed with businesses with high spending limit requirements in mind, Bank Independent's corporate credit cards combine commercial credit control and working capital solutions with customized local service.
Corporate
Our Corporate Card is the perfect option for larger businesses or non-profits paying statement balances in full. No personal guarantee is required (see Terms and Conditions for complete details).
Corporate Rewards
Enjoy all of the benefits of our Corporate Card plus robust rewards. Earn 1% cash back for every $1 spent.*
Visit a Sales Office near you to apply for any of our business, corporate and purchasing card options (see Terms and Conditions for complete details).
Purchasing Card
Streamline and simplify your company's procurement process with a Bank Independent Purchasing Card, featuring:
- A dedicated account manager
- Comprehensive custom online reporting for superior expense and expenditure control
- Fraud prevention reports
- Integration with general ledger and expense management software
- Efficient automated payments
Visit a Sales Office near you to apply for any of our business, corporate and purchasing card options (see Terms and Conditions for complete details).
Manage Your Credit Card Accounts
Wherever You Go
With the myApex Card mobile app you can check your account balances, make a payment, lock or unlock your card all from your smartphone. Get peace of mind when you sign up to receive alerts for online, phone, mail or international purchases. Stay on top of daily spending by limiting the amount that can be spent per day or per transaction.
Simply search “myApex Card” in the Apple Store® or Google Play™ to install, or click below.
Apple Store® is a registered trademark of Apple, Inc.
Subject to credit approval. Ask for details.
MasterCard is a registered trademark of MasterCard International Incorporated. Certain terms, conditions and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
*For details on the rewards program, please visit https://bibank.myapexcard.com/apply#p=application/rewardsTerms. Rewards options are subject to change without notice.
**We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 percent cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards.
Find a Location Near You
Easily apply for your credit card at any of our 29 convenient locations.
Request a Call
Can't make it to a branch? Let us know how, when and where it would be convenient to contact you.
