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0% intro APR on purchases and balance transfers for 20 billing cycles. After that a variable APR, currently 11.99% to 20.99%.*

See terms & conditions

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LIMITED TIME OFFER

The purchasing power of Zero

0% intro APR on purchases and balance transfers for 20 billing cycles. After that a variable APR, currently 11.99% to 20.99%.*

See terms & conditions

Apply Now

Extended low intro rate

Save on interest with a great low introductory rate for an extended time

Purchasing Power

Use for larger purchases, unexpected expenses or last-minute necessities

Pay down balances

Pay down your other credit card balances faster

Save on interest with this extended low introductory rate

Protecting your peace of mind

Benefits like zero fraud liability¹ help defend your business.

Free employee cards

Keep track of employee expenses while earning as many rewards as possible

Intro APR^* for Purchases:

Business: 0% introductory APR for the first 18 billing cycles. After that, 17.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Univest Bank and Trust Co. Business Card Terms & Conditions

Now pay over time with a Card ExtendPay plan

Split purchases into affordable payments with no interest – just a low, fixed monthly fee*.

New cardmembers receive a $0 fee offer on ExtendPay plans opened in the first 60 days after account opening.

Intro APR^* for Balance Transfers:

Business: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 17.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Univest Bank and Trust Co. Business Card Terms & Conditions

See and sort expenses

Use our online reporting tools to view credit card spending by categories, transaction type and a defined transactional period—month, quarter or year.

Annual Fee

None Univest Bank and Trust Co. Business Card Terms & Conditions

Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its aﬃliates as provided under the Cardmember Agreement and applicable law.

Subject to credit approval.

^*The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing. Elan Card ExtendPay fees: A monthly fee not to exceed 1.6% of the original principal amount in an Elan Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay plans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
1. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.