BUSINESS CREDIT CARDS

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Our business credit cards help you keep personal and business expenses separate so you can focus on what’s important.

Compare and shop TCF business credit cards

Business Edition® Visa® Card with Reward Simplicity

  • Earn unlimited 1.5 points per $1 spent on net purchases simply, everywhere you shop2
  • Redeem reward points for cash back, gift cards, travel and merchandise2
  • You have 3 years from when points are awarded to use them before they expire2
  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 14.99% to 21.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum fee $10). After 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).

1.5

Points per $1 spent on net purchases simply, everywhere you shop2

$0

No annual fee1

  • Earn unlimited 1.5 points per $1 spent on net purchases simply, everywhere you shop2
  • Redeem reward points for cash back, gift cards, travel and merchandise2
  • You have 3 years from when points are awarded to use them before they expire2
  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 14.99% to 21.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum fee $10). After 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).

Business Edition® Visa® Card

  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 11.99% to 19.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum fee $10). After 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).
  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 11.99% to 19.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum fee $10). After 6 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10).

Business Edition® Secured Visa® Card

  • Request your own credit limit3 by providing a single deposit between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval
  • Required security deposit is 110%3 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval
  • Variable 19.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate
  • Request your own credit limit3 by providing a single deposit between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval
  • Required security deposit is 110%3 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval
  • Variable 19.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate

Please see the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions, and limitations. Except for the Secured Card, an introductory balance transfer fee1 of 4% for the first 6 billing cycles applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer you make (minimum $10). For the Secured Card, a balance transfer fee2 of 5% applies to each balance transfer that you make (minimum $10). Minimum monthly payments required.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion.

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms link for each product listed above. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

3 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default. Deposit is held by First National Bank, Member FDIC.

All credit cards subject to credit approval. Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa® International Service Association and used under license.

TCF business credit card image

Thinking about applying for a credit card for your business? Our cards give you:

  • A safety net for unexpected expenses
  • Ability to establish credit history while your company grows
  • A way to meet expenses during off-seasons
  • Purchase Protection against theft and damage for the first 90 days after your completed transaction
  • Access to free management reports for easier expense tracking, simplified tax paperwork prep and monthly forecasting
  • Access to transaction history and payment information anytime through your credit card account
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