Business Credit Cards

Introducing the Visa Signature^® Business Rewards Credit Card_¹ from BankIowa

As a business owner, you understand the importance of making every dollar count. That's where the Visa Signature® Business Rewards credit card¹ comes in - a card designed to maximize your rewards effortlessly. You can use your business credit card to pay for business expenses, such as supplies and vendor payments. Our business credit card lets you separate your business expenses from your personal expenses, which can help you maintain your accounts and prepare your tax returns. Enjoy the power and convenience of a BankIowa Visa Signature^® Business Rewards credit card by applying for the card today!

Rewards²

Earn 2X Points per dollar on purchases in the top two merchant categories each month and 1 Point per dollar on purchases everywhere else Visa is accepted.²
No limits…No offers to activate…No categories to remember
Online reward redemption available 24/7, 365 days a year.

The Visa Signature Business Rewards credit card¹ puts you in the driver’s seat of your rewards. Each business has changes in their expenses and needs. Don’t be locked into only a couple specific categories of your current credit card. Let it change with your needs.

Exciting Introductory Offers

Let’s keep the good news rolling with this card, you’ll earn additional rewards with this introductory offer:

Introductory Purchase APR of 0% for the first 9 months.³
Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points.⁴
OTHER BENEFITS:
- Equipped to handle all your mobile wallets!
- No Annual Fee
- Competitive Purchase APR
- Consolidated and Individual Card Billing Options
Fraud Protection and Individual Card Limits

Contactless Card

Look, tap, and go with your Visa Signature® Business Rewards contactless credit card.

Mobile Wallets

This card is equipped to handle all your mobile wallets.

Apply today!

Download Application

If you are an existing Business credit card account holder and would like to be considered for this new product, please complete a Product Change Request Form¹ or visit a BankIowa Banking Center.

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
1. Subject to credit approval. Rates and fees subject to change.
2. The Program Member's Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.
3. APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 18.24% (quote based on the Prime Rate in effect as of February 1, 2025).
4. Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member's Control Account, or by an individual Cardholder's Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from "Purchases" and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees.
*The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
For more information, please contact UMB at 800-749-7113 or reach out to Card Services at 1-888-494-5141.

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