Business Credit Cards

Whether you need to manage cash flow or earn rewards on daily expenses, we have a credit card designed to help your business thrive.

Everwise Business Credit Cards

No annual fees. Great rewards.

Why choose between a card with low fees and one with great rewards? Our Business Visa® credit cards are designed to keep money in your business where it belongs.

Control costs

With no annual fees and rates as low as 18.74% APR*,  managing your bottom line has never been easier.

Monitor expenses online

Make quick payments and review transactions through our Card Management system.

Get cash back

Earn up to 1.5 points for every dollar spent. Redeem for cash and deposit them directly into your account. It's that simple.

Commercial Rewards Visa® Cards

Everwise Business & Commercial Rewards Visa® Cards

Running a business means making countless purchases. An Everwise Business or Commercial Visa® makes it fast and easy. Plus, you can earn back some of what you spend with our rewards system that pays 1.5 points for each dollar spent.

  • No Annual Fee
  • 17.74% APR based on your creditworthiness*

*APR = Annual Percentage Rate. This APR will vary with the market based on a Prime Rate.

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Ready to get rewarded?

Fuel your business with flexible credit solutions designed to support how you work.

Talk to a Business Specialist

Explore other business solutions

Business Banking

Business Deposit Accounts

Enjoy low fees, competitive dividends, and modern digital tools in one feature-packed account.

Business Lending

Small Business Loans

Small business takes determination. Our Indiana & Michigan financing helps you grow, with a simple, stress-free process.

Treasury Services

Treasury Services

Set up your business with systems and services that streamline your workday and position you to be more competitive.

Interest Rates & Interest Charges


Commercial RewardsBusiness Rewards
APR for Purchases17.74% based on your creditworthiness. This APRb will vary with the market based on the Prime Ratea.17.74% based on your creditworthiness. This APRb will vary with the market based on the Prime Ratea.
APR for Balance Transfers from another financial institutiond17.74% based on your creditworthiness. This APRb will vary with the market based on the Prime Ratea.17.74% based on your creditworthiness. This APRb will vary with the market based on the Prime Ratea.
APR for Cash Advances27.74% based on your creditworthiness. This APRc will vary with the market based on the Prime Ratea.27.74% based on your creditworthiness. This APRc will vary with the market based on the Prime Ratea.
Penalty APR and When It AppliesIf you haven’t made a payment 65 days or more after the due date, we may apply a Penalty APR of 29.49%. This rate applies to existing and new transactions.If you haven’t made a payment 65 days or more after the due date, we may apply a Penalty APR of 29.49%. This rate applies to existing and new transactions.
How Long Will the Penalty APR Apply?The Penalty APR will continue until you make six consecutive minimum payments by the due date and do not exceed your credit limit during that time. After six consecutive on-time payments, your rate will return to the current calculated rate.The Penalty APR will continue until you make six consecutive minimum payments by the due date and do not exceed your credit limit during that time. After six consecutive on-time payments, your rate will return to the current calculated rate.
Paying InterestYour due date is at least 25 days after the close of each billing cycle. Interest begins on Purchases, Balance Transfers, and Cash Advances on the transaction date. To avoid interest charges, you must pay the new balance in full by the payment due date.Your due date is at least 25 days after the close of each billing cycle. Interest begins on Purchases, Balance Transfers, and Cash Advances on the transaction date. To avoid interest charges, you must pay the new balance in full by the payment due date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than 2.00%.If you are charged interest, the charge will be no less than 2.00%.



Fees


Commercial RewardsBusiness Rewards
Annual FeeNoneNone
Balance Transfer Fee$5 or 5% per transaction, whichever is greater$5 or 5% per transaction, whichever is greater
Late FeeIN – $25.00
MI – Greater of $15.00 or 5% of the minimum payment		IN – $25.00
MI – Greater of $15.00 or 5% of the minimum payment
Return Payment Fee$25.00$25.00
Expedited Delivery FeeUp to $26.00Up to $26.00
Cash Advance Fee4%4%
Overlimit Fee$25 at 101%$25 at 101%
Foreign Transaction Fee2% per transaction2% per transaction



How We Calculate Your Balance. We use a method called “average daily balance (including new purchases).".

Prime Rate: Variable APRs are based on the 6.75% Prime Rate as of 12/11/2025.

a. Variable Rate Index: The APR may change and will be based on the value of an index plus a margin. The index is the Prime Rate published in the Wall Street Journal, on the first day of the month prior to the change dates. The change dates will occur monthly on the 1st day of the new cycle following a prime rate change.

b. We add 10.99% based on your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR.

c. We add 20.99% based on your creditworthiness to the current Prime Rate to determine the Cash Advance APR.

d. You will pay a $25.00 late fee, or the maximum allowed by law pursuant to Indiana Code §§ 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI-greater of $15.00 or 5% of the minimum payment.

Balance Transfers from another Everwise Credit Union loan account, including an Everwise Credit Union Home Equity Loan, are not permitted on the Visa® Business Rewards Credit Card.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Important Information for Rewards Cardholders: You may earn 1.5 Reward points on your Net Purchase Transactions, which is the amount of your Purchase transactions, less any purchase refunds. Reward points are not earned on Cash Advance or Balance Transfer transactions. The accrued Reward points will be shown on your monthly billing statement. The Reward points will be available to redeem via online banking at everwisecu.com or at curewards.com. All Rewards will expire four (4) years from the end of the calendar year, in which they are earned on a first-in, first-out basis. Reward points may not be available to all cardholders. We may revoke your Reward points, at any time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. Everwise Credit Union reserves the right to change the Reward points program at any time. See Rewards disclosure included in this Welcome Packet.

Account Agreement: See your Everwise Credit Union VISA® Account Agreement for more details.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.