Business Credit Cards - First National Bank of Hartford
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Business Credit Cards

Simplify your business purchases with a credit card that's designed just for businesses! 

With a VISA® business credit card your business can share a single credit limit with a maximum of four cardholders, or you can create a master account structure with unique card numbers for each cardholder. You also have the option for billing aggregation where you receive a single combined statement for ease of tracking and payments.

Accepted around the world, a VISA business credit card gives you online account access with the ability to view activity, make payments and redeem rewards.

All of our cards are enabled for use with Apple Pay, Google Pay™ and Samsung Pay, making your purchases easier and even more secure.

Speaking of security, we give you piece of mind from fraud. Each of our cards contains the latest chip card technology for in-store purchases and utilizes 3D Secure 2.0 authentication for online transactions. We also offer zero fraud liability so you won’t be held responsible for unauthorized purchases.1

To apply for a First National Bank business credit card, your business must have a deposit relationship with us. That means your business needs to have a checking, savings or money market account with First National Bank. If you would like to apply for a business credit card and your business currently doesn’t have one of these accounts, you can open one online, or we would be happy to open one for you in the branch!

Which card is right for you?

Card Feature


VISA® Platinum Business Rewards

Travel, merchandise, gift cards and more — you name it, you’ve got it with this rewards card!2

  • Earn up to 3x points on every purchase, every day when you shop at select community-based merchants as part of the Community Rewards Network™*
  • Earn unlimited 1x points on every purchase, every day
  • $25 Annual Fee
  • APR (for purchases, balance transfers, and cash advances): Prime + 8%
  • Cash Advance Fee: either $5 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
  • Peace of mind from fraud – the latest chip card technology for in-store purchases, 3D Secure 2.0 authentication for your online transactions, and zero fraud liability
  • Leave your card at home – Apple Pay, Google Pay™ and Samsung Pay ready
  • What purchase? Use Redeem2Erase to erase your recent transactions off your statement and earn statement credit
  • Business Type: Less than $1MM in annual purchases


VISA® Platinum Business

If you’re looking for a no-frills card with a low rate, this one is for you!

  • $0 Annual Fee – keep your money in your business
  • APR (for purchases, balance transfers, and cash advances): Prime + 8%
  • Cash Advance Fee: either $5 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
  • Peace of mind from fraud – the latest chip card technology for in-store purchases, 3D Secure 2.0 authentication for your online transactions, and zero fraud liability
  • Leave your card at home – Apple Pay, Google Pay™ and Samsung Pay ready
  • Business Type: Less than $1MM in annual purchases


VISA® Corporate Card

See our Business Services Banker for more information.

  • Business Type: $1MM or more in annual purchases
  • Enhanced expense management tools
  • Optional self-administered spend control

*The Community Rewards Network is a group of local businesses where you can receive up to 3% or 3x rewards. The list of participating businesses can be found here, or, contact our Business Services Banker for a list of participating merchants.
 

Apply online now!

For help choosing the right card, please contact our Business Services Banker or email us at fnb@fnb-hartford.com.

 

Additional Product Features

  • Single shared credit limit with 4 cardholders maximum OR master account structure with unique card numbers for each cardholder
  • Optional Billing Aggregation (single combined statement for ease of tracking and payments)
  • EMV/Chip Enabled
  • Apple Pay, Samsung Pay, Google Pay™, Android Pay, and Visa Checkout enabled
  • Cardholder inquiry service (24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world)
  • Lost or stolen card reporting
  • Emergency card replacement
  • Auto rental collision damage waiver
  • Zero liability fraud support
  • Travel and emergency assistance services
  • Purchase security/extended protection
  • Roadside dispatch
  • Online account information (MyCardStatement.com)
  • Verified by Visa
  • Fraud alert notices: email, text and IVR
  • Travel accident insurance

Credit Card FAQs

Do I need to be a First National Bank business customer to apply for a business credit card?

Yes, you must be a First National Bank business customer with a deposit relationship with us. That means your business needs to have a checking, savings or money market account with First National Bank. If you would like to apply for a business credit card and your business currently doesn’t have one of these accounts, we would be happy to open one for you!

How long will it take to get approved for a credit card?

Getting approved takes 1- 2 business days. If approved, the card should arrive within 7-10 business days.

What does a 25-day grace period mean?

Cardholders are entitled to at least 21 days from the time they receive the bill to pay off the new balance before incurring finances charges. Finance charges will not apply on purchases if the account is paid in full during the 25-day grace period.

Certain transactions like cash advances are not entitled to a grace period.

What is the Community Rewards Network?

This is a network of local businesses where you can receive up to 3% or 3x rewards. The list of participating businesses can be found here, or contact our Business Services Banker for a list of participating merchants.

How do I apply?

The fastest way to apply is by going to our online application, or you can apply at the desk of our Business Services Banker.

Who is Bankers' Bank?

Bankers' Bank is a community bank FOR community banks OWNED by community banks.

Where do I go to see my rewards?

Head over to www.scorecardrewards.com.

Can I view my account online?

Yes! Head on over to MyCardStatement.com.

For help choosing the right card, please contact our Business Services Banker or email us at fnb@fnb-hartford.com.

Apply online now!

Are you an existing Bankers’ Bank Business credit card customer? 

If your First National Bank VISA card is lost or stolen, please contact Bankers' Bank customer support at 1-866-604-0381, 24 hours a day, seven days a week.

The creditor and issuer of these credit cards is Bankers’ Bank, pursuant to a license from Visa U.S.A. Inc. in association with First National Bank. Credit cards are subject to approval. Certain restrictions, limitations and exclusions may apply.

1Visa'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. Contact Bankers' Bank for more detail.

2You earn Rewards Credit for each purchase in the rewards programs. Credit is deducted for each dollar returned. Credits are not earned on cash advance or balance transfer transactions. Credits discontinue to be earned and may not be credited after the account is closed. Credits may not be earned if your account is in a delinquent status. Credits are posted and reported to you on each periodic statement. This program may be modified, suspended, or cancelled at any time without restriction or penalty.

Visa and the Visa logo are registered trademarks of Visa International Service Association.

All trademarks, service marks and trade names referenced in this material are the property of their respective owners.