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Earn points for your business.

Rewards to use the way you want1

More choices. More value for your business.

Apply Now Calculate Rewards
Independent Bank

Business Real Rewards Card

More choices. More value for your business.

Calculate Rewards
Apply Now

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Earn points on your purchases

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).

Bonus points

Earn 2,500 bonus rewards points after your first purchase.2

No cap on rewards

There's no limit on the number of points you can earn, and you have five years to redeem for rewards.2

Easily earn rewards for your business

Free employee cards

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

Intro APR* for Purchases and Balance Transfers:

Business Real Rewards: 0% introductory APR for the first 6 billing cycles. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. 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 Terms & Conditions

Security and convenience

Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability,3 emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.

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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.
  • 1. 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 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 Program misuse, failure to pay, bankruptcy, or death). 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 to 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. Monthly net purchase bonus points will be applied each billing cycle.
  • 3. 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.

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Cardmember Agreements

Privacy and Security