Business Credit Card | Elements Financial
Image for Joining Elements

Business Credit Card

Elements Financial offers two credit card options for your business: Business Visa Credit Card and Business Rewards Visa Credit Card that are designed around your business.

Enjoy peace of mind at home and on the road with built in travel and purchase protection benefits.

The conveniences Elements Financial is known for come standard with our business credit cards, so you can manage all of your accounts from anywhere, anytime and have easy access to all of your money.

Want help making the best choices? Talk to us now about what's right for you:, (317) 276-2105, or toll-free at (800) 621-2105.

Business Rewards Visa Credit CardBusiness Visa Credit Card

13.24% variable APR for Purchases.

  • Earn 1% cash back on all eligible purchases
  • Unlimited — no cap on the cash back earned
  • Cash back rewards are automatically credited to your account
  • Rewards payable starting at $25

11.24% variable APR for Purchases.



All Elements Financial Business Credit Cards Feature:

  • No Annual Fee and No Penalty Rates
  • Low Competitive Rates
  • Transaction Alerts available
  • Fraud Text Alerts available: Enroll for Fraud Alerts to trigger a text anytime a transaction on your card is deemed to be a risk. You'll have the chance to confirm it or report it as possible fraud. If the latter, a hold will be placed on your account to prevent further activity until we can resolve the situation. To enroll in Fraud Alerts for your Elements Visa Credit Card, just log in to MyCardInfo within eBranch; go to the Account Services tab; and select Fraud Alerts.
  • Verified by Visa available
  • Can be used to pay your taxes.
  • You can also expect these conveniences that Visa is known for:
    • Auto Rental Collision Damage Waiver
    • Cardholder Inquiry Service
    • Emergency Card Replacement
    • Emergency Cash Disbursement
    • Lost/Stolen Card Reporting
    • Purchase Security and Extended Protection
    • Travel and Emergency Assistance Services

Want help making the best choices? To get your business credit card application started talk to us now about what's right for you:, (317) 276-2105, or toll-free at (800) 621-2105.

Rate, fee and other cost information: Rates effective July 5, 2017, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Subject to credit approval. Fee for Late Payments is $25.00. Additional limitations, terms and conditions apply.

Business Rewards Credit Card Rewards Information: 1% cash back on every eligible purchase. No enrollment required. All cardholders are eligible when they make their first eligible purchase. Eligible purchases are net purchases (reduced by merchant returns and adjustments). Purchases do not include cash advances, balance card transfers, use of convenience checks and are exclusive of any fees and finance charges we impose. Cash back rewards are payable to you by reducing your credit card balance. However, rewards will not reduce the monthly payment amount unless the total credit card balance is less than the payable cash back reward amount. The rewards are effective the date you become eligible for the program and are payable as per the billing cycle end-date printed on your statement. Cash back reward amounts less than $25 will not be paid during a billing cycle. Rewards will accumulate and will be payable to you once your reward balance is $25 or more. If a reward balance is less than $25, it will expire 5 years from the month earned. Eligibility is restricted to accounts that are open and in good standing. Any accumulated points will be forfeited if the account is closed before the next $25 increment is paid. Additional terms and conditions may apply.

Planning travel? Call us in advance: (800) 621-2105 or (317) 276-2105
Lost or Stolen Card: (866) 570-1238
If you suspect fraud: (866) 570-1238
Other Questions or Concerns: (866) 570-1238

To make payments to your Elements Financial credit card, send them payable to:
Elements Financial Federal Credit Union
PO Box 10324
Des Moines, IA 50306-0324

Payments can also be made in online or mobile banking under MyCardInfo.