Premium Rewards Business Credit Card

Unlock your earning potential

Get rewarded with a premium business credit card

Your small business has a lot of expenses. Make sure you're getting the most out of the purchases you make with our Premium Rewards Business credit card.

Accrue more points

Earn 3 points on restaurants, advertising and travel—and 1.5 points on everything else—when you use your card.D

Enjoy low—and no—fees

Get a $0 introductory annual fee for the first year, and benefit from no foreign transaction fees.DD

Earn bonus points

Receive 50,000 bonus points after spending at least $4,500 in the first 90 days.D

Connect with one of our small business bankers to get started

Premium Rewards Benefits

Put the power of limitless earnings behind every purchase

Earn more unlimited points per purchase on everyday business expenses that you can redeem for travel, cash back, gift cards and merchandise.

  • Get 50,000 bonus points after you spend $4,500 in the first 90 daysD
  • Earn 3 points for every $1 spent on restaurants, advertising and travel—and 1.5 points per $1 spent on all other purchasesD
  • Enjoy the benefit of no foreign transaction fees
  • Protect your cell phoneDD when you pay your monthly bill with your Metropolitan Commercial Trust Bank Premium Rewards Business Visa®
  • Earn rewards even faster with employee cards at no additional cost
  • $0 introductory fee for the first year, then a $95 annual fee
  • 18.24% to 27.24% variable APR for purchases and balance transfers (based on creditworthiness); each transfer is subject to a 3% fee ($5 minimum)D
View Premium Rewards credit card pricing information

Look. Tap. Go.

At checkout, check for the contactless symbol

Tap your contactless card on the terminal

Your payment will be processed in seconds

Look. Tap. Go.

At checkout, check for the contactless symbol

Look. Tap. Go.

Tap your contactless card on the terminal

Look. Tap. Go.

Your payment will be processed in seconds

FAQ

People often ask us

Yes. There are no specific requirements to receive a premium business credit card.

The Premium Rewards Business credit card offers several rewards and benefits that extend year after year—including a bonus after spending 50,000 points and a minimum of 1.5 points per $1 spent, with some categories earning more.

Subject to credit approval.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

These offers are valid on new accounts only. Metropolitan Commercial Trust Bank considers the account new if opened a credit card within the last 15 months.

Bonus points for the Premium Rewards Business Visa will be awarded upon $4,500 in spend in the first 90 days after account opening. Bonus points for the Rewards Business Visa and cash back for the Cash Rewards Business Visa will be awarded upon $3,000 in spend in the first 90 days after account opening. Points and cash back will be awarded within 60 days of qualification. Limit one per company.

Purchases are defined as gross retail purchases less any returns or credits.

APR (annual percentage rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of December 30, 2022, is 7.50% and may vary in the future. The transaction fee for cash advances is $5 or 4% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Premium Rewards) of each transaction after conversion to US dollars.

Cell Phone Protection is subject to a $100 deductible and maximum benefit limit of $600 per occurrence. Protection covers cell phones billed to your Metropolitan Commercial Trust Bank Premium Rewards, Rewards or Cash Rewards Business Visa credit card, subject to a maximum of three claims, per rolling 12-month period. This benefit does not cover cell phones that are lost. Please read the Business Visa Credit Card Guide to Benefits: Cell Phone Protection (PDF) for complete details.

Cellular Telephone Protection, Purchase Security/Extended Protection, Extended Warranty Protection, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to the Business Visa Credit Card Guide to Benefits: Cell Phone Protection and Rewards (PDF) for complete details.

The $95 initial annual fee will be waived the first year but charged to your Premium Rewards Business Visa account every 12 months thereafter.

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Bank deposit products are offered by Metropolitan Commercial Trust Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.