BUSINESS CREDIT CARDS
Help build your business and enjoy the rewards.
Reach your goals faster with business credit cards that work as hard as you do.
Mastercard® Business Platinum Card
Extended Intro Rate, Non-Rewards
Pay down your other credit card balances faster with a great low introductory rate for an extended time
Save on interest
Mastercard® Business Cash Card
Up to 3% Cash Back
3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services1
2% cash back on eligible restaurant and gasoline net purchases1
1% cash back on all other eligible net purchases1
No caps or limits on the cash back you can earn, and you have five years to redeem for cash back1
$25 cash back awarded after first purchase2
Mastercard® Business Real Rewards Card
1.5X Unlimited Rewards
Earn 1.5 points monthly for every $1 you spend on eligible net purchases3 (equal to 1.5% cash back)
No caps or limits on the number of points you can earn, and you have five years to redeem for rewards3
2,500 bonus rewards points awarded after first purchase,2 redeemable for:
- $25 Cash Back or
- Merchandise or
- Gift Cards or
- Save toward Travel
Mastercard® Business Rewards PLUS Card
Up to 3X Unlimited Rewards
Earn 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline4
Earn 1.5 points for every $1 spent on all other eligible net purchases
No caps or limits on the number of points you can earn, and you have five years to redeem for rewards4
20,000 bonus rewards points after you spend $2,000 in the first three months,2 redeemable for:
- $200 Cash Back or
- Merchandise or
- Gift Cards or
- Save toward Travel
All cards are fully loaded with protection features5
Choose the credit card with the benefits you want.
To learn more or apply today, speak with your Relationship Manager or visit: bancofcal.com/creditcards
1 Cash Rewards: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each $0.01 in Cash Back Rewards earned is equal to 1 point. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant’s code is not eligible. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6–8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. If you’re approved for a new Business Rewards PLUS, one-time bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. Please allow 6–8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
3 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
4 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
5 Certain limitations and restrictions may apply. For further details, refer to your Guide to Benefits, which will be provided to you with your Card. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. © 2020 Banc of California, N.A., all rights reserved. Member FDIC.
6 Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Card member must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
7 Certain terms, conditions and exclusions apply. Please refer to your guide to benefits that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.
The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Card member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).