SAVE SPEND BORROW LEARN COMMUNITY SCHEDULE AN APPOINTMENT Search for: The right card for your business needs. Business Credit Cards Choosing the right credit card is easier than ever. No matter which card you choose, you’ll enjoy important features like: Expense management tools. No fee for additional employee cards. EMV smart chip technology for added security. Mobile payment capability foro added convenience. Visa® Business Cash Card Cash Rewards For Your Business. 3% cash back [1] on eligible purchases from office supply stores, phone and TV services. [2,3] 2% cash back on eligible restaurant and gasoline purchases. 1% cash back on all other eligible purchases. $25 cash back awarded after first purchase. [4] LEARN MORE OR APPLY Visa® Business Real Rewards Card Flexible Rewards To Use The Way You Want. [3] Earn 1.5 points monthly for every $1 you spend on eligible purchases (equal to 1.5% cash back) [5] No cap or limit on the number of points you can earn, and you have five years to redeem for rewards. [3] 2,500 bonus reward points awarded after first purchase. [4] LEARN MORE OR APPLY Smart Business Rewards Visa® Card Earn More Rewards. 2x points per $1 spent in top two spend categories each month – automatically. [6] Redeem for Merchandise, Gift Cards, Travel or Cash Back. [1] Earn 20,000 bonus reward points when you spend $500 in the first 90 days – a $200 value. [7] LEARN MORE OR APPLY Visa® Business Platinum Card Pay Down Balances. Pay down your other credit card balances faster with a great low introductory rate for an extended time. Save on interest. Non-rewards. LEARN MORE OR APPLY Become a Business Member Find out what you need to start a business BECOME A BUSINESS MEMBER Don’t know where to start? Working with Beacon Credit Union is easy. LEARN MORE Business Checking Accounts Three accounts to suit your needs. BUSINESS CHECKING ACCOUNTS Choose an account that fits your business. LEARN MORE Join Online Now Open an account anywhere, anytime. Really, that simple. JOIN ONLINE 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 Cardmember 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 a Program misuse, failure to pay, bankruptcy, or death). 1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within on to two billing cycles. 2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. 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 services 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. 3 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. 4 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. 5 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. 6 You will earn 1 point for each dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchase in your top two highest merchant spend categories (“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. 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 no eligible. Points expire five years from the end of the quarter in which they are earned. 7 A one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. BEACON CREDIT UNION ROUTING NUMBER: 274976151 About Us Contact Us Locations Shared Branching History Careers Annual Reports Each account insured up to $250,000. By members' choice, this institution is not federally insured. If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (800) 762-3136 for some help. All products and services available on this website are available at all Beacon Credit Union full-service locations. NMLSR #568838 Copyright © 2021. Beacon Credit Union. All rights reserved. | Privacy Notice Facebook Instagram LinkedIn Twitter