Overview
Business Credit Cards
Your business spending should work for you. FSCB Business Credit Cards earn cashback on every purchase, give you tools to manage employee spending, and integrate with your accounting software to simplify reconciliation at month's end.
1
Apply Online or In Branch
We review your business and personal credit. Decision typically within 1 business day.
2
Set Up Employee Cards
Add employees, set individual limits, and configure real-time spend notifications.
3
Earn and Manage
Cashback is credited monthly. Connect to your accounting software for automatic reconciliation.
Features
Built for how business works
Up to 2% Cashback Everywhere
Earn 2% on all business purchases — office supplies, travel, utilities, vendors, advertising, and more.
Free Employee Cards
Issue cards to employees with individual spending limits. Monitor usage in real time from your dashboard.
Expense Reporting
Automatically categorize transactions and export reports directly to QuickBooks, Xero, or CSV.
No Foreign Transaction Fees
Do business globally without per-transaction surcharges on international purchases or vendor payments.
Flexible Credit Limits
Starting credit limits that grow with your business as you demonstrate responsible use over time.
Fraud Liability Protection
Zero liability on unauthorized business purchases. Real-time fraud alerts keep you informed.
Account Options
Choose your account tier
Business Cash Card
Monthly Fee$0/year
Minimum / EligibilityGood credit
Key Feature1.5% all purchases
ExtrasFree employee cards
Get StartedRecommended
Business Rewards Card
Monthly Fee$0/year
Minimum / EligibilityGood–Excellent credit
Key Feature2% all purchases
Extras+ travel rewards, no FX
Get StartedAPR is based on business and personal creditworthiness. See cardholder agreement for complete terms.
FAQ
Common questions
Will applying for a business card affect my personal credit?
A personal guarantee is required for most small business credit cards. A hard pull on your personal credit is part of the application process.
Can I increase my credit limit over time?
Yes — after 6 months of responsible use, you can request a credit limit increase by contacting your business banker.
How does cashback redemption work?
Cashback is automatically applied as a statement credit each month — no points portals or minimum redemption thresholds.
What if an employee makes an unauthorized purchase?
You have zero liability for unauthorized transactions. You can also freeze or cancel employee cards instantly in the dashboard.
Ready to get started?
Speak with a local FSCB business banking advisor — no obligation, no pressure.